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Zopa: Credit card 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
See only 5 star reviews
95%
See only 4 star reviews
5%
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0%
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0%
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0%

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)

Best credit card

5
Came on time expected., easy to use Easy to activate. Reviewed on: 15th February 2021
Chantal's avatar
Chantal

Excellent card

5
Quick and easy to use and no waiting for credit updates Reviewed on: 15th February 2021
Mark cadman's avatar
Mark cadman

Excellent Credit Card

5
I have had credit issues in the past but Zopa seem to look beyond history and at the current. The card arrived in a timely fashion and was exceptionally easy to activate. The online app is excellent for tracking and monitoring spending, the 'buffer' is a great idea for reassurance. I really like the option of paying back either the total balance or a portion of the total whenever it is convenient as that allows me to remain in control of my card. Reviewed on: 15th February 2021
Adz1977's avatar
Adz1977

Excellent card

5
I love my card , and how easy it is to payback .I dont often have time to talk to people this works perfectly Reviewed on: 15th February 2021
Jenni's avatar
Jenni

Brilliant

5
Great company to have a credit card with, no issues when applying, app is easy to use, would recommend this Zopa card. Reviewed on: 15th February 2021
Sharron's avatar
Sharron

No regrets

5
Having Zopa card made life easier especially during this pandemic Reviewed on: 15th February 2021
Nadine's avatar
Nadine

No fuss credit

5
Very helpful if you have less than great credit Reviewed on: 15th February 2021
Mike's avatar
Mike

Excellent

5
No problems and good service all round Reviewed on: 15th February 2021
James parker's avatar
James parker

Fantastic

5
Would highly recommend I have 6 credit cards and this is by far the best. Reviewed on: 15th February 2021
John 's avatar
John

Great platform.

5
Very straightforward, useful platform. Allows to monitor, view outgoings on a regular basis. Reviewed on: 15th February 2021
SB66's avatar
SB66

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