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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)

Great interest rate , easy to manage

Great interest rate , easy to manage Reviewed on: 9th April 2024

Very helpful, no problems at all

Very helpful, no problems at all Reviewed on: 9th April 2024

I have had very good service from Zopa and no issues...

I have had very good service from Zopa and no issues at all Reviewed on: 9th April 2024

Great credit company.

Great credit company. No issue easy to use and helpful Reviewed on: 9th April 2024

Best card so easy to use credit limit increase the b...

Best card so easy to use credit limit increase the best just a perfect credit card Reviewed on: 9th April 2024

Late payment fee

I’m just sorry that you as a company charge a late payment fee after only I day of a late payment,there could be a number of reasons why this happens,there’s no leeway here and I find that disappointing and not known it before with other companies,I was charged after just one day so now I will have to make certain that it is payed on time to avoid another late payment fee! Reviewed on: 9th April 2024

Very good credit card and it helps with emergency bi...

Very good credit card and it helps with emergency bills Reviewed on: 9th April 2024

Amazing Provider

Easy application and notifications when a higher credit limit is available. It has helped with my credit score. Zopa also enable easy ways to ensure monthly payments are taken. Reviewed on: 9th April 2024

Clear and precise, and instant credit on payments, a...

Clear and precise, and instant credit on payments, all my other cards take longer some 2 to 3 days zopa instant great, that's all I want, seems fair to me Reviewed on: 9th April 2024

they if you need help with payments

Always they if you need help with payments Reviewed on: 9th April 2024

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