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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 is good when you need help with bills and...

Zopa is good when you need help with bills and other Reviewed on: 10th April 2024

Zoopa are very helpful when making enquiries and hav...

Zoopa are very helpful when making enquiries and have an amazing customer service, they treat their customers as human beings and not just a number on their records, I have had other credit cards and not been treated half as well as I have by Zoopa, I would highly recommend this company and have done. Reviewed on: 10th April 2024

Using the card and toppjng up etc is so quick and ea...

Using the card and toppjng up etc is so quick and easy and doesn't leave you waiting to update. Reviewed on: 10th April 2024

Very easy to use on app and give people a chance to...

Very easy to use on app and give people a chance to improve credit score Reviewed on: 10th April 2024

Never had any issues always sendgreat payment reminder

Never had any issues always send payment reminder Reviewed on: 10th April 2024

I have been using Zopa to build my credit rating and...

I have been using Zopa to build my credit rating and to also suplimement my income when I need to make some purchase in advance. The rates are reasonable and the charges are not exploitative. Reviewed on: 10th April 2024

Very good company to have a credit card

Very good they just give me more credit, interest is not high like other credit cards companies Reviewed on: 10th April 2024

Credit card

In my opinion, the best credit card I have ever used Reviewed on: 10th April 2024

Brilliant credit card.

Great credit card /builder, got the app, is really easy to check your account /balance and to make payments. Any queries customers service is there on live chat or over the phone. Reviewed on: 10th April 2024

5 starservice..

Easy to apply for a credit card and the zopa app is so easy to use Reviewed on: 10th April 2024

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