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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

156350% increase in 5 star reviews

in the past 90 days

200% 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)

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Great company , no problems with them Reviewed on: 21st February 2023

Best card

As always helpful for poor credit rating Reviewed on: 21st February 2023

Great credit card

The app is easy to use, getting a replacement card after locking and blocking my old card was simple. Reviewed on: 21st February 2023

App

The Zopa credit card is easy to use and easy app to check all your information and payments Reviewed on: 21st February 2023

Great

Good to lend off easy to use an help out Reviewed on: 21st February 2023

Good credit card

Excellent card, given me a chance to build my credit. Easy to manage online. Reviewed on: 21st February 2023

Smooth and easy experience!

The process was so simple and everything is easy to manage in their user-friendly app Reviewed on: 21st February 2023

Very happy

Good cc company, easy to contact, a good app to use as well. Reviewed on: 21st February 2023

Helping me with my money

Zopa have been great with both a credit card and personal loan. They seem to understand the financial difficulties people are facing and the have created financial manageable support which will also help improve my credit score. Reviewed on: 21st February 2023

Love it

Great value for money card, I use it every day. Reviewed on: 21st February 2023

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