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Zopa: Credit card reviews

View other Zopa products
4.94
Based on 44,332 reviews, last reviewed 18th Apr 2026
40% increase in 5 star reviews
in the past 90 days
400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
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5%
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0%
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0%
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Latest highest rating:

5

My experience with Zopa has been great. My experience with Zopa has been great. Easy to navigate around the app. And no issues with making repayments to my credit card. Reviewed on: 18th April 2026
Arron's avatar
Arron

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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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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Zopa Credit card reviews (44332)

So easy to apply for and love the App

5
So easy to use and love the app Reviewed on: 26th January 2022
Joanne Cross's avatar
Joanne Cross

Perfect

5
Lovely this card is perfect for my emergency Reviewed on: 26th January 2022
Moises Silva's avatar
Moises Silva

Great card

5
Fab card for helping with credit building..app is so easy to understand...5 out of 5 for me Reviewed on: 26th January 2022
Karen 's avatar
Karen

Great experience and very trustworthy

5
Have had a great experience! Zopa has been amazing since the start, very transparent and easy to understand. Great App and amazing customer service! Reviewed on: 26th January 2022
Mathias's avatar
Mathias

Good for money

5
Good for money problem very good Reviewed on: 26th January 2022
Bal Kang's avatar
Bal Kang

very happy and easy to apply for

5
highly recommended easy to apply for and fast delivery Reviewed on: 26th January 2022
scott's avatar
scott

Understand Current circumstances

5
Firstly, I would like to thank Zopa for offering me credit card. Zopa looks at individual current situation and offers credit card accordingly. I had leukaemia back in 2016 and I lost my all my credit cards ended up having defaults on my credit history which means I can’t obtain credit anymore because I will be risky customer however, I have paid back every single penny I owed as soon as I recovered from cancer. Zopa understood my problems and looked at my current financial situation and offered me amazing credit card which I am planning to use forever. I would like to see them top credit card providers in the UK because there are so many people which had defaults on their account due to family or health issues which creditors don’t consider. Keep your good work Zopa Deepak Sharma Reviewed on: 26th January 2022
Deepak Sharma's avatar
Deepak Sharma

Great card

5
Love the card, love the way that when you make a payment off the card the funds are available again instantly unlike some other cards where it takes 2 working days, used it while on holiday and had no charges, great way to build up your credit rating.. Fantastic customer services.. Reviewed on: 26th January 2022
Shane Micklethwaite's avatar
Shane Micklethwaite

Excellent

5
I love zopa card I have it for over a year now and never had the slightest problem Reviewed on: 26th January 2022
Anastasia Feleki's avatar
Anastasia Feleki

Excellent credit card

5
Excellent card with excellent service. Reviewed on: 26th January 2022
Ayaanle Sigad's avatar
Ayaanle Sigad

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