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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44344 reviews)

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4.87

Based on 44,344 reviews, last reviewed 22nd May 2026

35% 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

Poor credit, no problem Having poor a poor credit score I struggled to to get credit anywhere, Zopa offered me a lower but reasonable amount credit card to help build my cred... Read more Reviewed on: 22nd 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 (44344)

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

Customer excellence

Everything a company provides for customers excellent Reviewed on: 15th January 2025

Very helpful always available to talk

Very helpful always available to talk Reviewed on: 15th January 2025

Really good for the way you can use your card...

Really good for the way you can use your card Reviewed on: 15th January 2025

Moving on up with Zopa

Found my Zopa card to be invaluable since I got it. Brilliant way to help spread my costs over the festive period and help out with day to day costs. Especially nearer the end of the month. It’s also a great way to get my credit score moving in the right direction after taking a hit a few years back due to illness. Would definitely recommend. Reviewed on: 15th January 2025

Always done right by me

Always done right by me makes sure i don't run before i can walk Reviewed on: 15th January 2025

experience so far it has been excellent

experience so far it has been excellent Reviewed on: 15th January 2025

Excellent!

It is a very good card with a good protection and amazing customer service. Reviewed on: 15th January 2025

Applying for the Zopa card was simple and successful...

Applying for the Zopa card was simple and successful application was decided quickly. There were no difficult questions and there was plenty of help along the way. The identity check to prevent money laundering and fraud was also explained well. Reviewed on: 15th January 2025

Extremely happy with Zopa

Zopa cards have an excellent rate of interest, and the app is extremely easy to use. The app is very useful for keeping track of my credit score and info on how to build better credit Reviewed on: 15th January 2025

Bad credit score help

I had bad credit score, zopa help me when others wouldn’t, my credit score is looking quite healthy. Reviewed on: 15th January 2025

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