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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43485 reviews)

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4.94

Based on 43,485 reviews, last reviewed 16th Mar 2026

155350% 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

Great for spending. Great for spending. Helpful. Good for low credit score to get a card. Easy to use. Good working app. Good repayments. Would definitely recommend to ot... Read more Reviewed on: 16th 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 (43485)

Fast and easy service.

I have no issues with Zopa, quick responses and reasonable APR Reviewed on: 14th January 2023

Zopa

Excellent service from zopa. No fuss Reviewed on: 14th January 2023

Credit card

Such a cool process to apply, no unnecessary hassle Reviewed on: 14th January 2023

Zopa helped me get back on track

After years of being in debt and having an iva my credit score was terrible, I could not get any other credit to rebuild my credit score but zopa accepted me and was it was very straightforward and easy to use and the app is great to keep track of your spending and you can even set a buffer Reviewed on: 14th January 2023

Great bank company

Easy, affordable and very helpful, understanding customer service. Great app very simple to use and navigate. Overall a brilliant bank Reviewed on: 14th January 2023

Fast speedy application

Great service from a great provider and a very speedy application process and time to receive card 1/2 days perfect! Also great credit limit and flexible Reviewed on: 14th January 2023

Confidence restored

It's been a while since I have had a credit card, and zopa has restored my confidence in controlling my spending and staying within my limits all the help is there with the online app a great tool to help keep on track with my credit score. Reviewed on: 14th January 2023

Easy and great comms

Using Zopa facilities is easy and with no hassle. The app keeps you up to date and communication from Zopa is easy to read and access. Reviewed on: 14th January 2023

Very good

I have poor credit and Zopa gave me a card that suits my needs, without giving me a stupid credit limit, Communications from Zopa are very good as well. The online app I simple Reviewed on: 14th January 2023

Complete credit card

Zopa credit cards are easy to manage with fair rates of interest. Reviewed on: 14th January 2023

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