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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43489 reviews)

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4.94

Based on 43,489 reviews, last reviewed 18th Mar 2026

155500% 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:

4

So far so good very helpful in every way So far so good very helpful in every way Reviewed on: 18th 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 (43489)

The card that helps out when times are hard

I really like this card with it's credit cushion so you can set your own allowance. They also offer other facilities best card I have had Reviewed on: 14th January 2023

Build your credit score

My Zopa credit card is handy, good to have credit card like this. Reviewed on: 14th January 2023

Sensible limits, helpful staff

I had a slight issue with payment but the staff were very understanding and helpful. And the app is easy to. Use too. Reviewed on: 14th January 2023

simple, effective and fuss-free

Love zopa, such a great service, from sign up to first purchase, the whole experience was great and unlike any traditional bank interaction. Reviewed on: 14th January 2023

Best credit card company

I believe Zopa to be the best credit card company I have ever used Reviewed on: 14th January 2023

Amazing service x

I love my card so much it got me back on the credit route. Reviewed on: 14th January 2023

Easy quick and covenient

A really easy and quick process from application to reciveing the card Reviewed on: 14th January 2023

Very Competitive 7 innovative

I have had personal loans with Zopa and have a credit card. Brilliant service and competitively priced, no hidden extras and very competitive rates. The app is really easy and early settlement is always fair. My go to lender. Reviewed on: 14th January 2023

Refreshingly nice and simple to do business with

Customer service is the key to their success ! Great company ! Reviewed on: 14th January 2023

Core competence of Zopa Credit card

Recognise poor credit score people to build their credit with affordable plans unlike others providers Reviewed on: 14th January 2023

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