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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)

Reliable and sensible !

Reliable and sensible !Fantastic opportunity to build up your credit. Reviewed on: 9th April 2024

I ha e been with zopa for over a year now with no is...

I ha e been with zopa for over a year now with no issues and great service Reviewed on: 9th April 2024

Easy to apply - a great value credit card

I found the zopa card easy to apply for online. once accepted their app based card management is very clear, easy to navigate and use. Reviewed on: 9th April 2024

Fast straight forward application, excellent app lo...

Fast straight forward application, excellent app lots of tools in it, and they always helps you to stay on track with repayment and your finances. Reviewed on: 9th April 2024

Good listener, able to solve issues at a quick go.

Good listener, able to solve issues at a quick go. No long waiting to speak with the customer service. Friendly customer services and problems solving Reviewed on: 9th April 2024

Got a card from zopa when i couldn't get one anywher...

Got a card from zopa when i couldn't get one anywhere else. Even though a small limit it has helped enormasly. Reviewed on: 9th April 2024

Zopa credit card has a flexible payment terms

Zopa credit card has a flexible payment terms and so very easy to access credits and also to access customer service. I recommend Zopa for credit as the rate is good for any kind of credit building. Reviewed on: 9th April 2024

Great service and prices would highly recommend

Great service and prices would highly recommend Reviewed on: 9th April 2024

Have had amazing customer service when I’ve been on...

Have had amazing customer service when I’ve been on the phone and always very helpful. The app is so easy to use and it’s the best credit card I have. Reviewed on: 9th April 2024

Life protection

So good end friendly family business Reviewed on: 9th April 2024

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