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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

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4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

312800% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (43506)

Fantastic credit card

This card has helped me improve my credit score Reviewed on: 21st February 2023

Great Card Provider

Great customer service and a fantastic app. Reviewed on: 21st February 2023

Awesome

Great all round experience would highly recommend Reviewed on: 21st February 2023

Easy basic credit card

Easy to use everyday services provided by them Reviewed on: 21st February 2023

Good wee credit card

Easy to deal with never had any problem with them. Reviewed on: 21st February 2023

Best low interest credit card

Best credit card with no hidden charges Reviewed on: 21st February 2023

THE BEST

Honestly can’t sing their praises high enough!! Such good customer service and really fair rates. Reviewed on: 21st February 2023

Easy to use

Zopa is an easy to use credit card and have fount the App easily accessible where I can manage my account effectively including viewing my pin changing my spending an limits would recommend Zopa to family and friends. Reviewed on: 21st February 2023

Easy app, sensible spending limits.

After struggling with bad credit for years I was accepted for this card which I had never heard of before. The sign up was very straight forward and the delivery of the card was only a couple of days. The app is very easy to navigate and it is very clear to see what payment needs to be made and by when. The spending limits are sensible but fair. Reviewed on: 21st February 2023

Fantastic

I have found this credit card very handy to have Zopa is a great card to have they expalin everything very clearly they give you a reciept everytime you make a payment which i love have to say its the best card i have ever had would recommed them to everyone Reviewed on: 21st February 2023

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