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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)

Bad credit score

Zopa took me on as a customer with a really bad credit score I started of with £200 credit limit which has now increased after about a year customer service is amazing Reviewed on: 14th January 2023

Good

Got accepted and they good they contact you when your bill is due and don't hassle you Reviewed on: 14th January 2023

Amazing Card

Highly recommended to anyone. Easy to control spendings and super easy options to repay outstanding balance Reviewed on: 14th January 2023

Excellent!

Offered me a credit card when no one else would. Payments have been minimal and affordable. This card is allowing me to improve my credit rating. Thank you Zopa! Reviewed on: 14th January 2023

Well happy

Very quick verification service ,card arrived fast app is very good Reviewed on: 14th January 2023

Easy to.apply and a great service

Applied.and got approved instantly, card arrived in 6 days. And had 2 credit increases in 6 month. Reviewed on: 14th January 2023

very satisfied

very satisfied, I would suggest it to my friends Reviewed on: 14th January 2023

No fuss credit card

ZOPA have a great understanding of people and there history and very helpful Reviewed on: 14th January 2023

Can not fault it at all

Instant payment back on The card is great too Reviewed on: 14th January 2023

Trusted and easy to use

Great customer service and an easy to use app. Reviewed on: 14th January 2023

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