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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:

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

A good start to credit building.

A good start to credit building. Reviewed on: 23rd February 2025

Brought happiness to my family

Excellent service a must to have Reviewed on: 23rd February 2025

Zopa are the best for all your banking and ,personal...

Zopa are the best for all your banking and ,personal loans, easy to use ,and great value! Thanks Zopa for all your help Reviewed on: 22nd February 2025

would recommend

Great service, easy to use app and representitives very helpful Reviewed on: 22nd February 2025

Zoopa gave me a chance !

I was going thro a hard time financially , I needed a back up incase something went wrong, I needed a credit card and got accepted , obviously the Apr was slightly higher , bit nothing too bad . After a year or so , Zoopa could see I was managing my Credit card satisfactory, and an offer was given to me to up my credit limit accordingly , I did this , and still managing my card to this day satisfactory ! It has helped me get my credit rating to a good place , been offered other products due to controlling my finances very good . They gave me the chance and am very happy to stay with them , I have a loan with them aswell , with a very competitive apr , paid by direct debit , so it's straightforward enough. Very happy to be using their products ! Reviewed on: 22nd February 2025

Great experience! Great experience! Great experience!

Great experience! Great experience. Reviewed on: 21st February 2025

Easy to apply, great service no complaints

Easy to apply, great service no complaints Reviewed on: 21st February 2025

.the one for me

Use the credit card, great interest rate and fantastic app Reviewed on: 20th February 2025

Love my zopa app and card find the app easy to use n...

Love my zopa app and card find the app easy to use never had any issues. Reviewed on: 20th February 2025

Great card with the right credit allowance no hidden...

Great card with the right credit allowance no hidden fees Reviewed on: 19th February 2025

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