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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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4.87

Based on 44,347 reviews, last reviewed 12th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Upon applying for a credit card with Zopa. Upon applying for a credit card with Zopa. I was able to navigate around the website easily to apply for a credit card. Reviewed on: 12th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 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 (44347)

Good credit when needed

The money I repay goes quickly onto my account which enables me use again when needed thank you zopa Reviewed on: 14th January 2023

Great card

Great service , no problems whatsoever, would recommend Reviewed on: 14th January 2023

Good value

Easy to set up and use. App great to use. Easy to understand and decent interest rates. Reviewed on: 14th January 2023

Fantastic Card.

I've only had good experiences from this card thus far. Steadily increasing my credit limit accordingly. No changes in APR. All in all, extremely happy with thus card; my favourite card I use. Reviewed on: 14th January 2023

Great card - great company

Feels like they are really trying to help me repair my credit score. Reviewed on: 14th January 2023

Easy to apply

Fantastic all manageable online. Reviewed on: 14th January 2023

Absolutely brilliant

Zopa was the only other company that would accept me for a credit card and the rates are absolutely fantastic especially as I’m still trying to rebuild my credit. I would and have recommended them to friends and family Reviewed on: 14th January 2023

Second to none service

Their customer support team are so helpful and professional, they had my balance transfer issue resolved immediately! Reviewed on: 14th January 2023

Helping rebuild credit

Low initial credit limit but if you use the card properly the limit is soon increased Reviewed on: 14th January 2023

Excellent service.

Perfect for a credit cushion each month. The app is so good as it allows you to set this and keeps you on track. Reviewed on: 14th January 2023

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