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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)

Great experience for my first credit card

Zopa has been a great experience for my first credit card, it was very clear to understand what i was committing to when applying and they have sensible borrowing limits. Zopa also have lots of features to help you with you manage your money and create buffers for rainy days. I have had to contact Zopa staff in the past and they were extremely helpful and provided a quick and speedy solution to my problem. I have recommended Zopa to my friends who are beginning to shop around for credit cards and they’ve have just a great experience as me. Thanks Zopa!!! Reviewed on: 14th January 2023

Great card

Just a very good card to have. When you pay your payment it actually goes off your debt. Reviewed on: 14th January 2023

Easy to use and App is superb

Access into the app is really good and clear interface once on the app. Would 100% recommend to others Reviewed on: 14th January 2023

Independence

Just a comfortable application & excellent after service plus App Reviewed on: 14th January 2023

Credit card

Good experience nice work erverthing good Reviewed on: 14th January 2023

Help with my finances and getting back on track

The monitoring of my finances has helped me get back on track Reviewed on: 14th January 2023

Excellent chiice

I chose Zopa 2 years ago after a small financial period of difficulty. They signed me up straight away and have not only helped improve my credit rating, but have enabled me to better manage my finances. Thank you team Zopa!! Reviewed on: 14th January 2023

Simple easy process

Card was simply to apply for and arrived with in a week, interest is easy to calculate for both purchase and withdrawal Reviewed on: 14th January 2023

Amazing

It is fantastic. Easy to use, you can pay as much as you want, very fast payments abd you can withdraw cash as well. Interest rate is very low. Reviewed on: 14th January 2023

Not all it is hyped up to be

Balance transfer is a separate limit to the card so once expires that limit is not added to the card. If you have a 1500 limit when you take out the card why reduce it after e months. A low limit impacts the credit file even though it is less than 2 days salary Reviewed on: 14th January 2023

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