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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)

Good and efficient but have been stuck on £200 for over a year.

I started with £200 and it's about 18 months my limit remains the same even though I pay by direct debit and have never default. Reviewed on: 28th March 2022

Easy to manage

The app makes it really easy to make payments and manage my card. Reviewed on: 28th March 2022

Great Card/App and Fast Transactions

The Zopa credit card is the most effecient and easy to use credit card that I own. Any payments made to the account is immediately reflected onto the balance on the app, whereas on any other credit card company's app ot would take around 2 business days to reflect onto the account. For this reason alone they are already a much better option compared to the it's competitors. Reviewed on: 28th March 2022

This is the best credit card I've ever owned

This is the best credit card I've ever owned. Reviewed on: 28th March 2022

Friendly service

Ease of personal contact. Knowledgeable friendly staff. Reviewed on: 28th March 2022

Excellent Customer service

Had a problem with the iPhone app contacted customer service and it was solved within an hour. Reviewed on: 28th March 2022

Fantastic card!

Payment for your balance is credited within minutes. No credit card provider does that. So you can enjoy your card straight away. Reviewed on: 28th March 2022

Top credit card company

Easier transactions, what I like is once you have sent a payment to this company it's in the account to use almost immediately, my number one top for credit cards Reviewed on: 28th March 2022

Zopa Card

Its there when you need it, affordable, nothing hidden. Would recommend to anyone. Reviewed on: 28th March 2022

Good quality

Good bank with excellent customer service, good rates,easy app to navigate Reviewed on: 28th March 2022

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