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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

From start to finish quick and easy well happy Reviewed on: 14th January 2023

Best credit card ever

Very easy application and very useful tips to improve your credit score Reviewed on: 14th January 2023

An exceptionally clever way of using a credit card.

A straightforward no nonsense credit card where your money is directly accepted and one does not have to wait days for it to be processed. Reviewed on: 14th January 2023

Easy and fair

Happy with the card , easy set up and user friendly app! Reviewed on: 14th January 2023

Easy application quick delivery

From application to receiving card very quick and easy Reviewed on: 14th January 2023

Great service

Prob the best credit card I’ve had. Also have a savings added to mine which offers better interest than my bank. Reviewed on: 14th January 2023

Bag a zopa card

Always find card easy transactions excellent app., so easy to do and keep check of what’s out & what’s in simple even for those who don’t fully understand the internet Reviewed on: 14th January 2023

Honest

Honest upfront and clear statements Reviewed on: 14th January 2023

Zopa

Zopa has given me the opportunity to have a credit card with my bad credit score, since having a Zopa credit card I have been able to manage my repayments and in turn it has helped my credit score highly. Thank you Zopa you are awesome Reviewed on: 14th January 2023

Amazing

Got approved for a credit card and it really helped me out of a tight spot in my life. Reviewed on: 14th January 2023

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