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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)

Quick response

Easy to use . I would like to continue zopa card , Reviewed on: 25th January 2022

Very good service

Excellent customer service very helpful and easy to use Reviewed on: 25th January 2022

Simplicity in a bank

Simple to pay with, simple to pay bills, simple to navigate app. Just banking that puts.a smile on your face....simple ! Reviewed on: 25th January 2022

Zopa and great

Love my Zopa credit card so easy Reviewed on: 25th January 2022

Great way to build my Credit back

It is a fantastic services, but a little slow, with opening up other services, I have always paid my balance up quickly, but have had no rewards and no change in my score, since I have started. My clear score is on good ground. Reviewed on: 25th January 2022

Good credit card

Easy to use and when you top up your card pay your bill it gets credited straight away Reviewed on: 25th January 2022

Affordable payments

Zopa is a great card and interest is not as high as others, started me with a manageable credit limit and payments are very affordable. Reviewed on: 25th January 2022

I love zopa!

Great app and a great card all round. Reviewed on: 25th January 2022

Best credit card!

After having a blip in my credit file I struggled to get a credit card, I could get loans and hp but not a credit card. I applied with zopa and was accepted strict away with an affordable credit limit. I've since had two increases and it is helping my credit score! Top notch Reviewed on: 25th January 2022

Just easy

Easy card to manage and payments are processed instantly. Swift smart and I love the card! Reviewed on: 25th January 2022

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