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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44345 reviews)

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4.87

Based on 44,345 reviews, last reviewed 31st May 2026

72% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good satisfaction easy to get Very good satisfaction easy to get Reviewed on: 31st May 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 (44345)

Excellent credit card

I found it very easy to apply for I liked how quickly I got a response and then how quickly it was delivered and could be activated from the app PIN number from the app also very easy to set up and activate would definitely recommend to a friend Reviewed on: 15th February 2021

Great card

Easy to use, good all round card. Easy to navigate app with easy of payments. Reviewed on: 15th February 2021

Easy Peasy

So easy to use the app, use it, pay it, not worry about it! Great card to use, and gives me peace of mind too. Well done! Reviewed on: 15th February 2021

Easy and Fair

Very easy application, you are told before what your chances of being accepted are. No catches, you know what you are paying and the percentages are fair. Perfect for rebuilding your credit. Reviewed on: 15th February 2021

Best credit card

Best credit card of the year. Easy to manage with app, Reviewed on: 15th February 2021

A very good and easy-to-buy card, I would recommend it to everyone and my family as well

I use the card every day and I build a credit history. A very good card I can recommend to anyone Reviewed on: 15th February 2021

Great card and app

Easy process to apply. Great app really lets you control your spending. You can set a buffer for emergencies, it alerts you every time you use it. A lot of thought has gone into this. APR perhaps a little high HOWEVER I have a bad credit rating so not surprised. Reviewed on: 15th February 2021

Very quick and easy to apply

Very easy to apply and my card was received within 2 days. The app is very easy to understand Reviewed on: 15th February 2021

Great Credit Building relationship

Took this credit out to build up my credit, it was hassle free to sign up too and comes with the app so can see what and where your spending. All in all a great little card. Reviewed on: 15th February 2021

Helpful and simple

I love this card it’s really easy to use and interest free Bravo Vova Reviewed on: 15th February 2021

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