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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

Once i call customer service and I apply they quickly respond Reviewed on: 14th January 2023

Sagar khan

Best credit card to improve ur score Reviewed on: 14th January 2023

The best credit card company ever!!

Zopa was one of 5 that accepted me for a credit card as I wanted to build my credit score, they offer the best deal and the best apr, my experience with zopa has been to quality and the app help manage my day to day expensive perfectly, thanks again zopa Reviewed on: 14th January 2023

Best experience

Zopa providing Convenient and best experience. I am glad to be a zopa customer Reviewed on: 14th January 2023

a great card

Very happy with card and app. very easy to use and include all information needed easy to access. Good rates and good service Reviewed on: 14th January 2023

Good fast and reliable

From start to finish I had no problems at all very good Reviewed on: 14th January 2023

Great Credit Card.

Excellent and easy to use app. Polite helpful staff if you need to contact them. Fair credit limit. Reviewed on: 14th January 2023

The best ever!

I'm almost seventy years old, have dealt with several financial institutions in my life and am old enough to have been treated very badly by some because, in spite of being a teacher and, by age 27 a deputy head with savings and no debts at all, because I was a woman I was seen as not able to be trusted with a mortgage or loan and to ask my father of husband, then a retired and a student, for a loan. Thank heaven for this new generation of enterprises! If I was younger, I would be seeking another home and, as well as holding a credit card with Zopa, would ask there for a loan for any necessary carpets, furnishing etc. A wonderful firm with a great team who realise your brains and ability to use technology don't vanish when you retire! I can't thank or recommend them enough. Reviewed on: 14th January 2023

Great

Card works as it should Zopa doesn’t bombard me with useless email or call me up wasting my time. Overall very happy Reviewed on: 14th January 2023

My Zopa card

Easy application with easy control over you finances would recommend to anyone who is trying to build their credit score Reviewed on: 14th January 2023

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