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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 24th Mar 2026

156200% 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

Transparent lender They have been a great company to deal with. Everything is explained in plain English. Their offers are clear and when you speak to their staff they a... Read more Reviewed on: 24th 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)

Excellent

Brilliant credit card and features like saving account Reviewed on: 14th January 2023

Very easy to apply and helpful

I am very happy with ZOPA cerdir card i was refused everywhere for a credit card because of my poor credit score but i had one in 5 minutes with ZOPA for £ 400 limit which is very good i am very greatful zopa credit card is there to help me on the difficult time 100%recommended Reviewed on: 14th January 2023

Life saviour

It was there when i needed it most despite my poor credit rating Reviewed on: 14th January 2023

Exelente

Es facil de aplicar y obtener son muy ambles al attender tus preguntas e inquietudes no necesitas mucha verification en fin la recommends para familias Reviewed on: 14th January 2023

Best finance company ever!

I have a credit card and two loans with Zopa. Such a pleasure to deal with. I wouldn't go anywhere else. You do need to have a good credit rating though so make sure you have one before you apply. Reviewed on: 14th January 2023

Quality service

From the start excellent customer service very easy to use app Reviewed on: 14th January 2023

Very Good Card.

I would recommend Zopa card to all my friends and family members. The app is easy to use and very straight forward. Reviewed on: 14th January 2023

Low credit limit

Small credit limit that doesn’t change as well as the borrowing score, high interest Reviewed on: 14th January 2023

Great company to deal with

Greta company, good customer service. Great app to navigate too! Reviewed on: 14th January 2023

Excellent company all round

Having already been extremely impressed with the service provided on my Zopa loans I didn’t hesitate to contact them when I was looking for a new credit card provider. Everything from application to setting up monthly repayments is just so easy and efficient. The communication and app access is perfect. I wish all my finance providers were as easy to use. Reviewed on: 14th January 2023

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