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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43484 reviews)

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4.94

Based on 43,484 reviews, last reviewed 15th Mar 2026

155300% 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 card. Great card. Easy to use. Good credit builder Reviewed on: 15th 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 (43484)

Zopa

Really helpful and responsible company Reviewed on: 14th January 2023

Great card

The card is great for those with a bad credit rating wanting to rebuild their credit score! It keeps you tracked of what has been spent and when a payment is due Reviewed on: 14th January 2023

Perfect

Superb all the way through the process Reviewed on: 14th January 2023

ZOPA UTOPA,

Great card, great control of spending, great customer relations, all up to date offers, great security Reviewed on: 14th January 2023

Fantastic product

Easy to use, great breakdown of spend, love being able to use it abroad. Reviewed on: 14th January 2023

Was there for me when I needed

I got the card when I couldn't get another one and I've had it ages now, interest rate is high but the app and everything is fine with it Reviewed on: 14th January 2023

Amazing provider

Great customer service and very informative Reviewed on: 14th January 2023

ZOPA are perfect

ZOPA are perfect company on market Reviewed on: 14th January 2023

Easy overall!

Easy, easy, easy! Such an easy application process, right through to using the app! I have multiple credit cards, but Zopa is; in my opinion, the safest, simplest and most stress free credit provider! Reviewed on: 14th January 2023

Great Apr

Quick simple and acceptable all over the world Reviewed on: 14th January 2023

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