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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44333 reviews)

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4.94

Based on 44,333 reviews, last reviewed 19th Apr 2026

40% 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

Very efficient service Very efficient service. Application works well Reviewed on: 19th April 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 (44333)

Zopa credit card

Very good credit card, good rates Reviewed on: 21st February 2023

Simple

No difficulties, just straightforward Reviewed on: 21st February 2023

Easy and fair

Easy to obtain and fair in fees. Kept me out of the gutter plenty of times, would recommend. Reviewed on: 21st February 2023

Good service

Easy to apply easy to understand, gives you an option to have a credit cushion to stop you getting into debt Reviewed on: 21st February 2023

Not greedy like the rest

The only card to have. They are very good for a credit card company Reviewed on: 21st February 2023

Brilliant

Easy to use no hassle straight forward. The app is brilliant Reviewed on: 21st February 2023

Amazin

Simple and good to use always very polite and easy Reviewed on: 21st February 2023

It is there like a helping hand

A FRIEND IN NEED ZOPA IS A FRIEND IN INDEED, Reviewed on: 21st February 2023

The best credit card

I've had so many credit cards with reputed other lenders but Zopa is the one card with open and honest approach. It keeps all details simple and clear to understand. Affordable interest rates for credit builders too. Reviewed on: 21st February 2023

Great service

A great card and any problems I have had fixed straight away and also my credit rating has went up since using the card. Reviewed on: 21st February 2023

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