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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)

Zopa are the best company they listen

Zopa are the best, their customer care is 2nd to none. They make sure you do not go into asking for something beyond your circumstances. Reviewed on: 14th January 2023

Easy

Easy to apply for and kept updated each mont Reviewed on: 14th January 2023

Reasonable

The interest rate is reasonable and always send a reminder as per credit use ,payment and balance. Reviewed on: 14th January 2023

Excellent

Brilliant experience so far love the app Reviewed on: 14th January 2023

Excellent service

No problem with using my card, it’s so easy to use Reviewed on: 14th January 2023

Great service!

Quick and easy to set up. Simple, straight forward process to set up through the app and my card came within a few days. Reviewed on: 14th January 2023

The best credit card in the uk

The best credit card in the UK . When I started using this credit card I learn how to mange my money Reviewed on: 14th January 2023

Brilliant company

Fantastic card . Brilliant services. Reviewed on: 14th January 2023

Excellent product and customer service

Easy application, you know exactly where you’re at, how much you’ve spent, and are notified when you get a new statement. I can’t fault their customer service or the app. Brilliant credit card Reviewed on: 14th January 2023

Responsible lenders and willing to give you a chance

With poor credit due to circumstances Zopa was willing to give me a chance. I’ve been with them 6months and never missed my payment of my full balance paid in full every month. It’s a great card to have if you need a safety net throughout the month Reviewed on: 14th January 2023

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