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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)

Very easy to use and lots of updates in regards to p...

Very easy to use and lots of updates in regards to payments and remaining balance, lots of reminders of when balance payments are due Reviewed on: 9th April 2024

Very easy to use and really good app

Very easy to use and really good app Reviewed on: 9th April 2024

Good luck good luck good luck

5 stars good luck Zopa good luck , Reviewed on: 9th April 2024

Great credit card :)

Zopa offers competitive rates and benefits, making it a solid choice for a credit card. Their customer service is reputedly excellent, providing prompt assistance when needed. However, it's advisable to carefully review the terms and conditions, including interest rates and fees, to ensure they align with your financial goals and habits. Overall, Zopa's credit card seems to be well-regarded by customers for its reliability and user-friendly experience. Reviewed on: 9th April 2024

Good experience, helped me when I needed it

Good experience, helped me when I needed it Reviewed on: 9th April 2024

Up front no hidden charges dose what it says on...

Up front no hidden charges dose what it says on the tin Reviewed on: 9th April 2024

Very impressive.

Very impressive. Easy to use and excellent service. Reviewed on: 9th April 2024

Great card, for bad credit.

Great card, for bad credit............ Reviewed on: 9th April 2024

Great Service

Good, when I have had to contact them always helpful. Reviewed on: 9th April 2024

Perfect all rounder

Zopa has a great app that's easy to follow their credit card is secure and safe the credit limit is fantastic and they offer increases that suit the customers and customer services are beyond excellent I love this company I can make payments as and when I want and never had a late payment fee because of this ability to make extra payments when I want perfect all rounders for me Reviewed on: 9th April 2024

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