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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

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4.93

Based on 41,972 reviews, last reviewed 18th Feb 2026

167000% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41972)

Easy to apply for and an very quick acceptance.

Only took 5 minutes. Very easy. Received my card within a week. Great service. Reviewed on: 26th January 2022

You will be impressed

It's better than I expected all done with no effort easy too complete with different offers thumbs Reviewed on: 26th January 2022

Brilliant card

I relatively new to Zopa but the idea of the card is brilliant and myself having low credit is a great way to build up my credit score again. Reviewed on: 26th January 2022

Best credit card

They let me track all my transactions. They also have so many minute features that make handling your credit card easy. Reviewed on: 26th January 2022

Great support

Great and easy to use always know where your limit is and how to better your spends and score Reviewed on: 26th January 2022

The best experience with Zopa

Excellent customer service and a website full of information Reviewed on: 26th January 2022

Had no problems since ive started!

The app is brilliant never a problem with it compared to other credit card companies. Reviewed on: 26th January 2022

Great Card Zopa

Everything about this Card is perfect love my Zopa card Reviewed on: 26th January 2022

Gave me hope

Zopa have been amazing! My credit history has not been great and in all honesty applied on a whim and to my surprise was approved for a credit card. By having the additional cash has really helped with managing my finances and has given me hope in rebuilding my credit score whilst learning to borrow sensibly. I love that if you pay back early there are no interest fees which makes me want to pay back earlier each month. The application process was super slick and simple to use and my card arrived way earlier than anticipated. Highly highly recommend to anyone who is looking for an easy hassle free solution! Reviewed on: 26th January 2022

Very good

I am happy with Zopa. I had a good experience with them Reviewed on: 26th January 2022

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