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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

44% 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)

Fantastic

Great cc company reasonable rates and excellent customer service Reviewed on: 26th January 2022

Excellent credit card

Best credit card I have had and the app is easy to navigate and stay on top of your spending also has a good APR Reviewed on: 26th January 2022

They gave me a chance

I've not been able to get accepted for a credit card for a couple of years now because I have a few issues with my credit file from mistakes I made when I was young and new to credit. However, when I checked my offers on clearscore, it said I was pre-approved for a zopa credit card. So, I applied, not thinking I'd actually get approved but I did! It was only for a £200 limit and the interest is fairly high, HOWEVER, I have paid all balances off in full every single time so I've not paid any interest. The app is very simple to use and if I ever have an issue, you can contact and advisor straight from the app which is an absolute time saver and stress-free option. The only thing I wish would change is the option to apply for a credit limit; currently, zopa review your account (once a year I believe) to see if you basically deserve a credit limit increase but I would find it so much better if we could apply for a limit increase manually. Reviewed on: 26th January 2022

Easy to Manage

I have found Zopa extremely easy to manage with the app and payment system. Notification like a bank account when a transaction has been processed. Fantastic service and manageable. Reviewed on: 26th January 2022

Great service and great app

Not had the account long but very happy with it up to now Reviewed on: 26th January 2022

So simple

So simple to apply and use. The app is bang up to date with everything you would expect in 2022 Reviewed on: 26th January 2022

Very handy tool

Easy to use and Transparent to check your usage Reviewed on: 26th January 2022

Best service

Very good service and efficient delivery on service Reviewed on: 26th January 2022

User friendly

The perfect card when travelling Reviewed on: 26th January 2022

Really great support as a bank

I had so many times when I need it help with shopping and build a nice credit and this is the right bank for me thanks to the Zopa Bank! Great and lovely support! Reviewed on: 26th January 2022

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