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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

73% 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

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 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 (44347)

Great card..

I’ve been using the Zopa credit card for a while now, and overall it’s a really solid, no-nonsense option. The biggest plus is how easy everything is to manage through the app. You can track spending instantly, make payments in seconds, and even freeze your card if needed. It feels very modern compared to traditional credit cards. I also like that there are no foreign transaction fees, which makes it great for using abroad. Another good feature is the “Credit Cushion,” which lets you set aside part of your limit as a buffer. It’s a small thing, but actually quite useful for staying in control of your spending. On the downside, the interest rate is quite high, so it’s definitely a card you want to pay off in full each month. There are also no rewards or cashback, which might put some people off if they’re looking for perks. Overall, it’s a great choice if you want a simple, easy-to-use credit card without hidden fees. Just don’t treat it as a long-term borrowing option. Verdict: A reliable, straightforward card that does the basics really well — ideal for everyday use and staying in control of your finances. Reviewed on: 15th April 2026

Has always been very good to me.

Has always been very good to me. Reviewed on: 15th April 2026

Zopa accepted me and I was really pleased after bein...

Zopa accepted me and I was really pleased after being refunded from other lenders want to get my credit rate back up and zopa as let me do that. Thank you Reviewed on: 15th April 2026

Easy process from start to finish, updates are great...

Easy process from start to finish, updates are great , 5 Stars Reviewed on: 15th April 2026

Very easy and convenient to use quick service

Very easy and convenient to use quick service Reviewed on: 15th April 2026

Applied for and got a credit card

Applied for and got a credit card Reviewed on: 15th April 2026

Fantastic customer service and no nonsense sensible...

Fantastic customer service and no nonsense sensible products with a simple and easy application process Reviewed on: 15th April 2026

Grey bank. Love it

Customer service is prompt and informed. Love the pots system especially isa pita, however other providers have slightly higher isa rates. Reviewed on: 15th April 2026

Very good service faster spend on line

Very good service faster spend on line Reviewed on: 15th April 2026

Zopa is the best

Great experience i feel very positive with zopq credit catd Reviewed on: 15th April 2026

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