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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

Zoopa are easy to deal with, very helpful and treat...

Zoopa are easy to deal with, very helpful and treat people as people not a number Reviewed on: 15th January 2025

I was able to get my credit card smoothly and at the...

I was able to get my credit card smoothly and at the time of need Reviewed on: 15th January 2025

Very easy to deal with and quick response with any q...

Very easy to deal with and quick response with any queries Reviewed on: 15th January 2025

Never had an issue with Zopa and it is helping my cr...

Never had an issue with Zopa and it is helping my credit score rise Reviewed on: 15th January 2025

Excellent

Great customer service, fantastic app, superb all round !! Reviewed on: 15th January 2025

All in all I am very happy with this credit card and...

All in all I am very happy with this credit card and all the service I so far used Reviewed on: 15th January 2025

Easy application good app easy to navigate all infor...

Easy application good app easy to navigate all information in one place Reviewed on: 15th January 2025

Excellent service and support.

Excellent service and support. Addresses all of my card needs. Reviewed on: 15th January 2025

I have excellent experience i have re commended to...

I have excellent experience i have re commended to my friends and family Reviewed on: 15th January 2025

Highly recommend it

I recently got the Zopa credit card and have been thoroughly impressed with the overall experience. The application process was straightforward and user friendly, making it easy to get started. One of the standout features is the transparency in fees and charges - there are no hidden costs, which is a huge plus. The app interface is intuitive, allowing for seamless management of transactions and payments. I particularly appreciate the real-time notifications that help me keep track of my spending. The interest rates are competitive, and the rewards program offers great benefits that suit my lifestyle. Customer service has been responsive and helpful whenever I've had inquiries. Overall, the Zopa credit card provides excellent value with its combination of features, ease of use, and reliable support. I highly recommend it to anyone looking for a trustworthy and efficient credit card option. Reviewed on: 15th January 2025

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