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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)

Smooth application from start to finish.

Smooth application from start to finish. Great customer service when had to contact them, and sorted any issues quickly. Reviewed on: 10th April 2024

The ZOPA credit card

The ZOPA credit card was easy to apply for, like most people the cost of living crisis caused turmoil at Christmas, I applied for the credit card and it was just at the right time when money was a bit tight, it dropped through my letter box just right for Christmas and eased my finances no end. Reviewed on: 10th April 2024

easy to access credit card and application was quit...

easy to access credit card and application was quit smooth Reviewed on: 10th April 2024

Happy with offer and up to date app

Happy with offer and up to date app Reviewed on: 10th April 2024

It was seamless getting the card

It was seamless getting the card and increasing the value of my credit card. Reviewed on: 10th April 2024

Very good credit card you pay easy money and the De...

Very good credit card you pay easy money and the Dee at debit Reviewed on: 10th April 2024

Great company

They are easy to communicate with and understandable. Reviewed on: 10th April 2024

Excellent

A+ service can always set your Bianca what you spent Reviewed on: 10th April 2024

The Customer Service Department has been working wel...

The Customer Service Department has been working well to ensure all queries are handled correctly with our satisfaction. Reviewed on: 10th April 2024

I had a slight issue with my delivery address for my...

I had a slight issue with my delivery address for my credit card but customer service really went above and beyond and helped me get my card to my new address. The app is effortless to use never had a problem with zopa. Great work guys. Reviewed on: 10th April 2024

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