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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.

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (41972)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Top credit card

Amazing card and bank best one what I had Reviewed on: 15th January 2026

Sensible credit limit.

Sensible credit limit. Polite reminders about payments. Reviewed on: 15th January 2026

Had to ask a question got immediate response and res...

Had to ask a question got immediate response and result Reviewed on: 15th January 2026

Easy to use, very simple, best card i have had, app...

Easy to use, very simple, best card i have had, app very simple and quick Reviewed on: 15th January 2026

Amazing company to use easy app would rate him to an...

Amazing company to use easy app would rate him to anybody 10 out of 10 Reviewed on: 15th January 2026

The Zopa card is very good but there is one drawback...

The Zopa card is very good but there is one drawback - it cannot be added to Apple Pay. Reviewed on: 15th January 2026

Simply a great experience

Hadn’t used customer services so top score was based on the whole infrastructure that Zopa have. All credit card providers should follow their lead as the set up was flawless and the app is so simple and intuitive Reviewed on: 15th January 2026

Makes life easy

Zopa was the first credit card provider which marked me eligible for credit and now my credit score is sky high. Reviewed on: 15th January 2026

Everything always is the best and has very clever de...

Everything always is the best and has very clever decisions Reviewed on: 15th January 2026

Happy with Zopa

Have not had any problems with Zopa at all. Reviewed on: 15th January 2026

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