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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st 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

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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 (44340)

Excellent

Zopa does what it says. Absolutely no probs from start of easy application. Great card Reviewed on: 28th March 2022

God

Very good service no questions asked Reviewed on: 28th March 2022

Easy to use

Both the card and the app are easy to use. It’s easy to track spending and the app provides ways to help improve your credit. They seem to offer higher limits than other cards and you can see each month of your borrowing power has increased or not. My primary credit card I use and I have already recommended them to family and friends. Reviewed on: 28th March 2022

Zopa top card

Very comprehensive, competitive and customer-friendly card. Responsible lender. Quick and easy to set up. Reviewed on: 28th March 2022

Love zopa

Came in very handy when i needed it Brilliant Reviewed on: 28th March 2022

Hero

Best customer experience that I have had for a long time Reviewed on: 28th March 2022

Easy to Use, Great Bank

I joined Zopa in the hope to improve my credit history and have a decent credit card application; I was not disappointed as they've made having one an easy process and everything seems fair. Reviewed on: 28th March 2022

Easy

Easy to get i can recommend to anyone who wants to start with small credit card to build credit scores Reviewed on: 28th March 2022

The best credit card provider of ever dealt with

Easy to talk to other understand me. Reviewed on: 28th March 2022

Wonderful quick service

Customer service is fantastic and professional whilst being friendly. Courteous and knowledgeable too. Reviewed on: 28th March 2022

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