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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)

Credit card

Never thought I’d get a credit card and Zopa have given me a chance Reviewed on: 9th April 2024

Goody good

Good but they are changing with there rates not with bank of england I don’t know if that is a good thing Reviewed on: 9th April 2024

Highly recommend zopa for credit card

Easy to use app - conscience company to avoid people getting into too much debt - excellent to make foreign payments with no conversion fee - regularly updating card technology to make payments more secure - regular offers for other services available - trusted card - have had no issues using the card - random card checks monthly when pin had to be entered to verify the card payment. Reviewed on: 9th April 2024

Hi been with Zopa for a few months now with my credi...

Hi been with Zopa for a few months now with my credit card and they have flexible payments and very friendly customer service team always happy to help Reviewed on: 9th April 2024

I'm so Happy they trust me,in my poor credit score

I'm so Happy they trust me,in my poor credit score Reviewed on: 9th April 2024

Just so helpful and good service

Just so helpful and good service Reviewed on: 9th April 2024

Great sero

Great easy to use app and all details are to hand. Customer services always come back within 48 hrs ….brilliant Reviewed on: 9th April 2024

they gave me a chance when no other credit card woul...

they gave me a chance when no other credit card would snd I love that I can keep an eye on my credit card through the app Reviewed on: 9th April 2024

Zopa customer services are very good and helpful

Zopa customer services are very good and helpful Reviewed on: 9th April 2024

Zopa was the first company to give me a credit card...

Zopa was the first company to give me a credit card and without them I would have been stuck at that time.now I have a higher credit limit amd use the card all time . Reviewed on: 9th April 2024

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