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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.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44344)

Zopa card review

Easy to set up, user friendly, quick answers. Very good service. No pestering for money emails. Reviewed on: 10th April 2024

Seamless and reassuring solutions at all times

It is always a seamless customer service experience whenever I have any cause to phone. The agents always provide a warm and caring attitude while providing direct and impartial advise without bias. There is always that feeling of warmth and understanding without pressure or bias Reviewed on: 10th April 2024

Good service and a good card would recommend to oth...

Good service and a good card would recommend to others Reviewed on: 10th April 2024

"Zopa Credit Card exceeded my expectations in every...

"Zopa Credit Card exceeded my expectations in every aspect. From its seamless application process to its generous rewards program, Zopa truly stands out in the crowded credit card market. The card's low APR and no annual fees make it an excellent choice for anyone looking to save money on interest payments. Moreover, the innovative features like real-time spending alerts and budgeting tools have helped me manage my finances more effectively. Customer service has been exceptional, with prompt responses and helpful assistance whenever needed. I highly recommend Zopa Credit Card to anyone seeking a reliable and rewarding credit card experience." Reviewed on: 10th April 2024

Always good and quick and easy to use

Always good and quick and easy to use Reviewed on: 10th April 2024

Great service!

Very helpful credit company that provide excellent information about your account, spending & financial situation through their great tools & service! Reviewed on: 10th April 2024

Perfect for me credit rating and all have a good s...

Helping build my credit rating and all have a good safe spend txt Reviewed on: 10th April 2024

Easy affordable credit.

Easy affordable credit. The company ensures they do not offer more credit than you can afford Reviewed on: 10th April 2024

Easy online services and always helpful/useful

Easy online services and always helpful/useful Reviewed on: 10th April 2024

Handy app and quick ballance updates when making pay...

Handy app and quick ballance updates when making payments Reviewed on: 10th April 2024

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