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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

I’ve been using the Zopa credit card for a while now...

I’ve been using the Zopa credit card for a while now, and I must say, it has been a fantastic experience. The standout feature for me is the Zopa mobile app—it’s incredibly intuitive, allowing me to track spending, set payment reminders, and manage my card with ease. Everything is clear and well-organized, making financial management simple even for someone who isn’t tech-savvy. Another huge plus is the customer service. Whenever I’ve had a query, their team has been quick to respond and genuinely helpful, which isn’t always the case with credit card providers. The application process was also fast and hassle-free, with a quick decision and smooth onboarding. The interest rates and fees are competitive, and I love that Zopa offers real-time spending insights to help me stay on top of my finances. However, one area for improvement would be the ability to request credit limit increases, as this currently isn’t an option. Also, at the time of writing, Apple Pay and Google Pay aren’t supported, which would be a great addition for convenience. Overall, if you’re looking for a modern, app-based credit card with great customer support and easy financial tracking, Zopa is a solid choice. I’d highly recommend it to anyone who values a digital-first experience! Reviewed on: 26th March 2025

Card for all

I applied for a credit card and the process was easy to understand set out in understanding English my whole experience with this company as been a positive experience Reviewed on: 26th March 2025

Everything is great

Everything is great. Easy to set up Reviewed on: 26th March 2025

Easy access to app and emails. Excellent!

Easy access to app and emails. Regular updates on account. Good accessible up to date information on app. Regular communication when payments are due. Excellent! Reviewed on: 25th March 2025

Easy to get access using apps quick response on requ...

Easy to get access using apps quick response on request Reviewed on: 24th March 2025

I haven’t had any problems with this company.

I haven’t had any problems with this company. There really good and always keep me informed. Great company . I would recommend this company to anyone Reviewed on: 24th March 2025

They are great

They are a great credit card company and never had any problems with them Reviewed on: 24th March 2025

Excellent service and communication.

Excellent service and communication. Very happy with being a customer Reviewed on: 23rd March 2025

Fast processing of applications, user friendly app a...

Fast processing of applications, user friendly app and website. Reviewed on: 22nd March 2025

Zopa credit card

I have a Zopa credit card and from application process to acceptance and customer care and service whilst using the card they have been excellent, would highly recommend to use as a provider. Reviewed on: 22nd March 2025

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