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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

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4.93

Based on 41,972 reviews, last reviewed 18th Feb 2026

167000% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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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 (41972)

I'm very happy with Zopa Credit card.

I'm very happy with Zopa Credit card. Credit limit is okay and interest rate is not to much Reviewed on: 15th January 2026

Forever grateful

Zopa has trusted me despite my poor credit score and we haven’t let each other down. That little trust on people can help in ways no one would understand Reviewed on: 15th January 2026

Never had any problems with them

Never had any problems with them Reviewed on: 15th January 2026

Highly recommend this company

Whole process was so easy and the app is easy to use. Kept upto date all the time with emails and messages. Would highly recommend them Reviewed on: 15th January 2026

Excellent

It’s easy to use where ever you go to shop. Reviewed on: 15th January 2026

A really good company to use

Never had any issues with Zopa good rates and credit limits available Reviewed on: 15th January 2026

The best so far

Very, Very honest, friendly and provide excellent customer service. They provide accurate and up to date information that is helpful to me when making my spending decisions. I have no problems with my credibility as Zopa take care of that as well. They have helped me to build my credit score which is ongoing. Reviewed on: 15th January 2026

Very good card

Excellent customer service when contacting them and great flexibility with the card itself Reviewed on: 15th January 2026

Excellent company.

Excellent company. Very good app and easy to understand Reviewed on: 15th January 2026

easy to check and keep control of my account

easy to check and keep control of my account Reviewed on: 15th January 2026

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