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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43503)

Second chance

After spending the past 5 years in an IVA with no possibility of credit, Zopa we’re first to allow me a small credit card. A second chance to build my credit rating and get back on track. Reviewed on: 25th January 2023

Simple

It is very simple and hassle-free to get a credit card. Reviewed on: 24th January 2023

Excellent

I've a got a very dodgy credit file and zopa gave me a credit card. Its handy for my work as a self employed person. Also it will help build my credit up. Thanks Reviewed on: 24th January 2023

Overall good experience

Best better then other credit cards Reviewed on: 24th January 2023

Easy to manage

The credit card is easy to manage with a versatile app that allows you to control your spending. Reviewed on: 24th January 2023

Outstanding

Really helpful, great app simple and easy to use Reviewed on: 24th January 2023

Great company

Great company on hand to support your needs, good quality app does what it needs to , easy to make extra payments Reviewed on: 24th January 2023

Awesome credit card

Never any problems using this card and very easy to use and great to get txts reminding me when to pay it off Reviewed on: 24th January 2023

App is very easy

App is very easy and I can doing fast Reviewed on: 24th January 2023

Friendly creditors

Very easy to apply and use and you updated about your limits Reviewed on: 24th January 2023

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