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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44332 reviews)

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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

95%

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

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 (44332)

if there were bonus points it would be wonderful!

easy to order and use. Immediate update day spending and full control of spending by the app. If it had a bonus or some points/cashback system it would be perfect. Reviewed on: 26th January 2022

Excellent Product

Excellent product. Easy to use, would highly recommend to friends and family. Reviewed on: 26th January 2022

Brilliant

Great credit card brilliant friendly service Reviewed on: 26th January 2022

Fantastic

Good, old fashioned customer service Reviewed on: 26th January 2022

Professional compy

The company and staff are very professional and always make the customer feel welcomed and always try to give the customer the best deal possible and the online system is easy to use. Reviewed on: 26th January 2022

Excellent C.C

Very helpful, easy and fast services. I strongly recommend getting this C.C to every single one. Reviewed on: 26th January 2022

Sensible Lending

There app is second to none for managing your card & has really useful features like explaining how to improve your credit score. I’m especially impressed with the credit cushion which helps to not frivolously use all your available credit m. Reviewed on: 26th January 2022

Amazing

So simple but yet amazing experience! Genuine and appropriate lending! Wouldn’t recommend anyone else but Zopa!! Reviewed on: 26th January 2022

Excellent

It is a great way to boost you credit rating Reviewed on: 26th January 2022

Fantastic, easy to use and great interest rate

Zopa’s application process is super fast and easy. Would highly recommend! Reviewed on: 26th January 2022

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