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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43481 reviews)

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4.94

Based on 43,481 reviews, last reviewed 14th Mar 2026

155150% 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

Good credit card ideal for those unexpected payment Good credit card ideal for those unexpected payment Reviewed on: 14th 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 (43481)

Easy to manage, at a glance spending, borrowing power and advice. Love it!

All the information that I need is there. I can chose a credit cushion so don't need to worry about going over my limit. Advice is being offered regularly on how to improve my borrowing power and other available to me products. Fantastic! Reviewed on: 14th January 2023

Great for credit building

My credit score has shot up significantly since having this credit card! Reviewed on: 14th January 2023

Excellent

Zopa is an excellent company from where to get a credit card, even though my credit score wasn't the best. It certainly helped me out, and am so pleased with Zopa Reviewed on: 14th January 2023

Very good

Very good card With very good option Reviewed on: 14th January 2023

Excellent service

For circumstances out of my control, I found myself with an extremely poor credit rating. Zopa were the only company who basically gave me the chance to start building my score back up, using the credit card with a low limit and paying off every time I used it for purchases helped me massively. I can’t thank them enough. Reviewed on: 14th January 2023

Simple and straightforward

The whole experience with Zopa has been slick and simple. Very good app and the added features are a huge bonus. Reviewed on: 14th January 2023

Was easy to apply

Easy to apply and very straight forward application Reviewed on: 14th January 2023

easy to work with and great app

The most important thing is that the app works easily as trying to get customer service AT OTHER CREDIT CARD companies always proves a challenge. So ZOOPA great for me. Reviewed on: 14th January 2023

Brill

Easy to sort out and app excellent and easy to understand Reviewed on: 14th January 2023

Zopa card

Obtained this credit card and has been useful during these difficult times recommending it app is easy to use and repayment are easy Reviewed on: 14th January 2023

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