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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st May 2026

36% 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

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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.

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (44340)

Review of the Zopa, Credit card:

Zopa Credit Card

A great card to use but best of all they keep you informed of your spending straight away with an easy to use app Reviewed on: 26th January 2022

All round great product

So easy to apply for. So easy to use. App is equally easy to navigate. Good card for getting back in the credit game as limit increases once credibility earned. Have recommended to many people already. Reviewed on: 5th April 2025

Not great

No Apple Pay and poor customer service for people with hearing impairments Reviewed on: 5th April 2025

Best credit card I have ever had.

Best credit card I have ever had. Credit amount just right for me Reviewed on: 5th April 2025

For balance to clear after payment is within minutes.

For balance to clear after payment is within minutes. Fastest credit card I know. Reviewed on: 5th April 2025

Superb and reliable.

Superb and reliable. So quick and low interest rate Reviewed on: 4th April 2025

I want to improve my credit rating

I was given a credit card I can controll my spending had no problems, hoping to improve my credit Rating in the future Reviewed on: 4th April 2025

I had very bad credit due to past relationship but...

I had very bad credit due to past relationship but Zopa offered me a credit card my credit score is going up so thank you for helping me much appreciated to you. Reviewed on: 4th April 2025

Just a great Bank

Great communication always ready to help and give non biased help Reviewed on: 4th April 2025

Not very high credit score.

Not very high credit score. Obtained a credit card from a different company. Was then recommended Zopa. Saved myself 10% onAPR.Sign up was easy card arrived in a couple of days. Easy to activate and to set up direct debit. Reviewed on: 4th April 2025

Although they've never upped my credit limit, I use...

Although they've never upped my credit limit, I use a few of their services because they're so good. I seem to trust Zopa more than any other card provider. Reviewed on: 4th April 2025

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