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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 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 (44348)

Great for credit building

Great card to build your credit score up. Reviewed on: 11th April 2023

Excellent service

Easy to use app, everything you need in one place plus customer service is next to nothing always there to help and always got the answers to your questions Reviewed on: 11th April 2023

One of the best credits offers. Customer come first not credit history

When i applied for ZOPA credit card i was offered straight away despite of my credit history. I made always made my payment on time and use my credit wisely, then in a few months they offered me a credit increment of £700, my credit limit is now £1200. It has helped my financial stability and i once again despite of increment i use my credit wisely, never go beyond my limit. Zopa is one of the best credit provided with better apr. I have recommended it to my friends and family. Reviewed on: 11th April 2023

Great service

I was struggling financially, and zopa offered me a quick service "credit card", I received a decision super fast and within couple of days I received my credit card! Reviewed on: 11th April 2023

Best

My experience with Zopa is fantastic! Reviewed on: 11th April 2023

the most amazing credit card company ever

the always handle me with great care i ask a million stupid questions and the answer them i never in my life leave reviews for anything but i genuinely love this company Reviewed on: 11th April 2023

Experience

A Great company to deal with Good understanding of customers requirements nice to deal with unlike some other companies Reviewed on: 11th April 2023

Best credit card provider

Great company, amazing app, easy to use and send helpful reminders. Reviewed on: 11th April 2023

Good

Very good interest rates and the app is very easy to use Reviewed on: 11th April 2023

Awesome

I’m really happy that they offered me a credit card when a lot of providers said NO! Never had any issue and you can build your credit score easily also get a increase not that hard if you’re responsible and really want to build something for yourself. Reviewed on: 11th April 2023

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