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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44339 reviews)

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4.94

Based on 44,339 reviews, last reviewed 26th Apr 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

It is easy to use and quick access It is easy to use and quick access Reviewed on: 26th 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.

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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 (44339)

The application process was clear and the card easy...

The application process was clear and the card easy to use and understand Reviewed on: 8th March 2025

Straight forward to use and friendly staff

Straight forward to use and friendly staff Reviewed on: 8th March 2025

Very good app.

Very good app. Good credit limit for me. Easy to make additional payments and I do that often. I have no problem recommending this product. It’s good all round and very easy to use Reviewed on: 8th March 2025

Easy to use,flexible,as card is accepted on many sho...

Easy to use,flexible,as card is accepted on many shopping websites and other banks too.Flexible payments to pay back balances. Reviewed on: 7th March 2025

Best thing I ever did was getting a card

Best thing I ever did was getting a card Reviewed on: 7th March 2025

Credit card

Very good excellent response great card Reviewed on: 7th March 2025

Easy process and accepted with poor credit rating

Having a poor credit rating I thought it would be near impossible to gain a personal loan or a credit card. Zopa bank accepted me with both. They are very ethical because it wasn’t until I’d completed my loan that they then offered the credit card. I’d recommend them to anyone having difficulties getting credit. The process of application is very easy and stress free. Reviewed on: 7th March 2025

strait forward

strait forward and simple to use Reviewed on: 7th March 2025

Excellent fast service.

Excellent fast service easy to navigate and stay in control. Reviewed on: 7th March 2025

Zopa is a good card for shopping.

Zopa is a good card for shopping. Easy to transfer money. Its shows money in a second. Reviewed on: 7th March 2025

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