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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 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 (44347)

Trust worthy

Best service that's around! Fast, easy and simple. What more could you ask for. Reviewed on: 26th January 2022

Back on the straight and narrow

Having a rough few years my credit rating plummeted, though after knuckling down & changing my career I'm back on the path to a positive credit report, & with the Zopa pointing me in the right direction I'm not constantly punished for a difficult period in my life. Reviewed on: 26th January 2022

Clear statements easy to follow advice, all good

Found it a really easy experience opening and using there services, everything is there clearly for you to see and consider Reviewed on: 26th January 2022

Best credit card of all time

His has to be the best credit card ever. Tells you credit score how to get better score staff are so friendly and helpful and pleasant to talk to best credit card of all time Reviewed on: 26th January 2022

ok

ok............................................. Reviewed on: 26th January 2022

EASY RELIABLE QUICK

This is the best credit card I have ever had. The access to the app is easy, your balance is on hand and making payments is quick and easy. I particularly like the fact that if I have a little more left over at the end of the month I can make a payment to my balance instantly and everything is so streamlined. I have recommended to all my family and friends (especially those with bad credit). I also like that they provide periodic lending updates. All information is given simply and the turn around time from opening the account to being ready to go was quick and suited my circumstances! 100 stars if I could give it! Reviewed on: 26th January 2022

Fabulous experience

Exemplary company, my experience has been very positive and they are totally customer focused. The mobile App is easy to navigate and that's a bonus for me as I'm the other side of sixty and modern technology is usually an issue for me. I'm more than happy to continue using the service's of Zopa. Reviewed on: 26th January 2022

Zopa account balance

Very quick account payments and balance change Reviewed on: 26th January 2022

Perfect

Great service and easy to use app too Reviewed on: 26th January 2022

Top Credit Card!!!

Easy to apply and Zopa are very on the ball, app is easy to use and intuitive and Zopa are the most responsible financial provider i have come across!! Reviewed on: 26th January 2022

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