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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

40% 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.

Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44332)

Review of the Zopa, Credit card:

I've found zopa incredibly helpful all the time

I've found zopa incredibly helpful all the time Reviewed on: 17th April 2025

Had a great experience since being a customer of zopa.

Had a great experience since being a customer of zopa. Love that payments clear quickly. Reviewed on: 23rd April 2025

The interest rate is good.

The interest rate is good. I use my card for daily purchases with ease and the app is easy to use Reviewed on: 23rd April 2025

Great value and easy to use and the interest is bett...

Great value and easy to use and the interest is better than most credit cards out there Reviewed on: 23rd April 2025

Just love it.

From the first moment I have applied for Zopa credit card I was pleased with everything, really. It was very easy to apply for, the answer came in a matter of minutes (or maybe just seconds), the amount I was awarded it's decent to make a significant purchase (not just one or two hundred pounds with ridiculously high interest rates) and the interest rates seem fair to me, based on what other companies charge. So, I'm a very happy client with all the efficacy and simplicity that Zopa works and make things happen. Reviewed on: 23rd April 2025

As always, easy to use and great app

As always, easy to use and great app Reviewed on: 23rd April 2025

Zopa is the best credit card of Uk like American Exp...

Zopa is the best credit card of Uk like American Express Reviewed on: 23rd April 2025

Zopa is a good card it helps get...

Zopa is a good card it helps get credit score up Reviewed on: 23rd April 2025

My card was issued quickly?

My card was issued quickly? I have been able to use the card everywhere and setting up payments was easy. I can pay over the recommended amount at any point. The app is simple to use. Reviewed on: 23rd April 2025

Tried helping with a understanding dispute

Tried helping with a dispute very helpful Reviewed on: 23rd April 2025

Five star review

Great service - brilliant card to help credit score Reviewed on: 23rd April 2025

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