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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

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4.94

Based on 44,342 reviews, last reviewed 10th May 2026

36% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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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 (44342)

Easy app set up

Love the fact I can check my balance or pin in the app. Also like that I have the minimum payment coming out by direct debit each month, but find it so easy to pay extra off my balance in the app. Reviewed on: 28th March 2022

Caring Credit Cards

After weighing up several options for credit cards, I decided that Zopa was the best option, and I wasn't disappointed. From the get go, their payment system has been simple and customisable I am able to alter how and when I pay, and I'm warned if I haven't made a payment BEFORE I would be charged, making me feel like I am valued and that the bank don't want me to acrue debt Reviewed on: 28th March 2022

Good interest rate, fair service

Have had no issues with Zopa. I’m happy with the service on the app and would recommend. Reviewed on: 28th March 2022

Good experience

It's one of the best company for credit... keep it up guys Reviewed on: 28th March 2022

Great

Have found up to date statements online service is the best Reviewed on: 28th March 2022

Customer service

Very understanding customer service team if you ever have struggles with monthly payment they will point you in the right direction and give and help you might need Reviewed on: 28th March 2022

Not complicated

Very easy app to use. Keep track of everything. All information you need is in the app Reviewed on: 28th March 2022

Great service

Brilliant service Customer service Reviewed on: 28th March 2022

Excellent service

Very happy with the zopa card and easy to use the app Reviewed on: 28th March 2022

A great, fair 2nd chance

I haven't been the best for credit but zopa has given me a chance to build my credit rating. I never thought I'd ever be able to start building my credit again after being in financial trouble a while ago. Great card Reviewed on: 28th March 2022

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