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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th 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

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th 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 (44343)

Awesome card

Never had an issue :) great service Reviewed on: 11th April 2023

Easy to use card

This is a good company who make sure you can afford to borrow, app is alos really useful and easy to use Reviewed on: 11th April 2023

The best no doubt

Zopa credit card is the easiest most simple way I have found to build my credit rating. The app is easy to use and gives great clarity on your borrowing power and usage. The customer service team whenever I have needed them have always been on hand to help in a friendly and professional manner. Overall the best credit company there is!! Reviewed on: 11th April 2023

I would definitely recommend this card.

Taking a credit card set up with Zopa was super easy, the app is brilliant too and really simple to use. Excellent service. Reviewed on: 11th April 2023

All smooth process , consistent with service

Since i have got the credit card from Zopa, I can review my credit score in the application , balance , payment date etc. It has helped me with pictures as jargons get heavy on me. All in all very good and effective service. Reviewed on: 11th April 2023

Efficient

Always well informed about any updates and offers Reviewed on: 11th April 2023

Best card for people with fair/ averag credit scoree

Zopa card help me to meet my daily expences. Real time alerts and notifications to make payments on time. Its very flexible and easy to use. Me and my wife both uses zopa. If we use responsibly zopa is the best . It help me build my credit rating as well Reviewed on: 11th April 2023

Excellent Company

Friendly, helpful and customer centred. Reviewed on: 11th April 2023

So helpful

I have no bad words for zopa. Using their credit card for many years now and alongside the app I have always been extremely grateful. The fact that payments made show up the same day is fantastic and unheard of with other credits cards. Thank you zopa for making my life that much easier to financially handle. Reviewed on: 11th April 2023

Amazing!

Helped build up my terrible credit score without all the hassle and constant calls like most other providers! Reviewed on: 11th April 2023

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