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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

The terms of repayment is excellent.

The terms of repayment is excellent. Reviewed on: 1st March 2025

It’s Oky !

It’s Oky ! It’s good ! Reviewed on: 1st March 2025

Excellent brilliant

Very good would recommend zopa to anyone Reviewed on: 1st March 2025

Try even if your have low credit score

With a low credit score I didn't think I'd get a card But I was accepted . It's handy for unexpected expenses Reviewed on: 1st March 2025

Excellent

Initially I was finding difficult to use my pin but customer services sorted it out real quick Reviewed on: 1st March 2025

Great service, upfront and very transparent service.

Great service, upfront and very transparent service. Reviewed on: 1st March 2025

Easy to use.

Easy to use app, friendly and accessible customer service and a reasonable APR Reviewed on: 1st March 2025

Excellent Service

Overall a very positive experience with Zopa and I think they are a responsible credit provider. I believe that I was offered a credit increase when I demonstrated my ability to manage my credit card responsibly. When I was offered an increase, the reasons were outlined why and I was given the option to either accept or decline the increase. Proving Zopa is a responsible credit provider with the customer’s best interests at heart. Reviewed on: 1st March 2025

The application process for the card was very easy a...

The application process for the card was very easy and hassle free. Also there is no crazy interest rates like other credit card companies. Reviewed on: 1st March 2025

Good company, excellent management of accounts all i...

Good company, excellent management of accounts all i one place. Reviewed on: 1st March 2025

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