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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th 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

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th 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 (44343)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Very happy thank you good service

Very happy thank you good service Reviewed on: 28th February 2025

I’d had bad credit from a business I ran over 6 year...

I’d had bad credit from a business I ran over 6 years ago, I needed a new car & Zopa gave me a loan also I’ve got a credit card & am building my credit rating back up. Reviewed on: 28th February 2025

Its a brand new, fresh experience with Zopa!

Its a brand new, fresh experience with Zopa, I have a few credit cards and bank accounts, but Zopa is more friendly, open and clearly, innovative! Reviewed on: 28th February 2025

Zopa is a excellent card to buy products great inter...

Zopa is a excellent card to buy products great interest rates. Zopa app keeps you in control of payments. Reviewed on: 28th February 2025

Always very good experience.

Always very good experience. Never had any problems, zopa are always there to help in any situation Reviewed on: 28th February 2025

Quick application process.

Quick application process. Easy to use app. Regular credit limit monitoring and increase. Reviewed on: 28th February 2025

Recommend over other credit card providers

I got credit card with Zopa few months back, I have opened a savings account with them recently, had to make enquiries over a phone and got help for it without any issues. My payments show online straight away, which is fantastic, not like with other providers where you have to wait 2-3 days. The online app is straight forward, clear, easy to understand and to use. I'm very happy with them and looking forward yo increase g my credit limit to improve my credit score as well. Reviewed on: 28th February 2025

Zopa Credit Card Helped Me Build My Small Business!

Zopa has given me the opportunity I’m so grateful for the Zopa credit card! It has truly given me the opportunity to take control of my finances and build credit when I needed it most. Thanks to Zopa, I was able to access the funds that helped me start my own small business. The process was simple and stress-free, and I’ve been able to manage my payments easily. I really appreciate how Zopa has supported my financial journey and helped turn my dreams into reality. Highly recommend for anyone looking for a reliable credit card to help with personal or business goals! Reviewed on: 28th February 2025

Really well built app and great service.

Really well built app and great service. The app is simply to follow and has been developed with common sense, and the customer service is wonderful. Any questions or issues have been dealt with efficiently and with courtesy. Reviewed on: 28th February 2025

Great communication easy to use and understand infor...

Great communication easy to use and understand information Reviewed on: 28th February 2025

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