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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)

Excellent service easy to use app and manage money a...

Excellent service easy to use app and manage money and payments, the personalised insights in the Zopa app to help me reduce debt and boost your savings. Reviewed on: 9th April 2024

Great customer service and communication.

Great customer service and communication. A great card at a competitive interest rate. Reviewed on: 9th April 2024

If I've had any trouble they have always helped

If I've had any trouble they have always helped Reviewed on: 9th April 2024

Very good interest rate everything I’m very happy wi...

Very good interest rate everything I’m very happy with the service Reviewed on: 9th April 2024

Couldn’t ask for more!!! Great service all round.

Great service, app is fantastic. Always kept up to date with useful info and changes to help improve my credit score Reviewed on: 9th April 2024

I love this company, great customer service

I love this company, great customer service Reviewed on: 9th April 2024

Great that payment shows straight on your account as...

Great that payment shows straight on your account as it can be frustrating to wait a few days to show in your account. There is now issue with this on Zoola Reviewed on: 9th April 2024

Credit card

I am satisfied with my credit card. I recommend. Reviewed on: 9th April 2024

Was an absolute pleasure to make in 3 min a credit c...

Was an absolute pleasure to make in 3 min a credit card and to be accepted. I was so confident and happy I m on the bord with zope credit card Reviewed on: 9th April 2024

Customer service is good.

Customer service is good. Easy app to navigate. Love the notification of card use. Notified well in advance of them sending out a new card. Like the notification of taking direct debit payment Reviewed on: 9th April 2024

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