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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44342 reviews)

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4.94

Based on 44,342 reviews, last reviewed 10th May 2026

36% 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

Handyman Very handy and easy to use i would recommend this card to anyone Reviewed on: 10th May 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 (44342)

I Love Zopa

Zopa is absolutely brilliant. The card is very easy to use. The App was so simple to set up. It is safe because you receive a safety code before you can use it for your first purchase. Reviewed on: 24th January 2023

I'm happy

Experience is very good Reviewed on: 24th January 2023

Good credit card

Offer better for your financial support Reviewed on: 24th January 2023

Great Experience

Zopa has really helped me build my credit score since I joined them. Reviewed on: 24th January 2023

Brilliant

Their sevices are briliant very very pleased Reviewed on: 24th January 2023

Really great and useful

They don’t bug you they notify when stuff needs to be done it’s all well planned out and very good customer service all round great company to use Reviewed on: 24th January 2023

Easy Access Good APR

I like the most is the savings pot… Zopa is giving a. Good interest per annum for their savings pot…! Reviewed on: 24th January 2023

Terrific service!

Trying to build my credit score and Zopa helped greatly! They offered me a card with a generous limit and a reasonable APR. When I reached the point where I was able to find something even better, having greatly improved my score, it was so simple and easy to pay up and close the card, no hidden fees or hoops to jump through, and processed very quickly indeed! Thank you! Reviewed on: 24th January 2023

Great Credit builder

Good and clear app, helpful for me to control spending and rebuild my credit Reviewed on: 24th January 2023

Good customer service

Easy to follow. There let you know when you have use your card and reminders when your payment is due Reviewed on: 24th January 2023

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