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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44346 reviews)

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4.87

Based on 44,346 reviews, last reviewed 11th Jun 2026

73% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

A breeze to manage... Simple to apply, a breeze to manage and simple options for repaying. Reviewed on: 11th 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 (44346)

One of the best credit card company's

Zopa was the only company willing to give me a chance with a credit card when I had bad credit and thanks to them allowing me to have one of there cards I been able to improve my credit score by showing good usage of my credit Reviewed on: 11th April 2023

Best of the best

Very good credit card for people with a low credit score I would recommend without a doubt Reviewed on: 11th April 2023

Genius.

Simple application process. Fast decision. No silly questions. Reviewed on: 11th April 2023

Great card

Great and easy card to use. And good rates. Reviewed on: 11th April 2023

Excellent

Great service and great customer service Reviewed on: 11th April 2023

Amazing

The card is so great for someone like me that wants to build up credit Reviewed on: 11th April 2023

Yes

Got the card to build up me credit score rating! So far,good Reviewed on: 11th April 2023

Amazing!

I have found Zopa to be really east to use, communicate with and set up. Would strongly recommend them to others. The app is also easy to navigate to help you keep an eye on your spending, payments. Reviewed on: 11th April 2023

Great Service

Great services as always and happy with my card Reviewed on: 11th April 2023

Best provider ever

App is very simple to use and interest fees are okay, really good provider highly recommend Reviewed on: 11th April 2023

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