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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)

So easy to use

It shows you exactly what you’ve spent and when you pay money it’s available so fast! Reviewed on: 14th January 2023

Fantastic

Easy to apply and with the app it is very easy to Keep on top of your spending Make payments And be totally in control Reviewed on: 14th January 2023

great card

The card is very conveinent and it helps to build your credit score Reviewed on: 14th January 2023

Responsible lender

Update on payments Shows what I spend Does not up your credit limit if they feel it’s not the right time Reviewed on: 14th January 2023

So easy and clear

So easy and clear to use, I love the app it means I’m in control of balance and can access all the information too Reviewed on: 14th January 2023

Excellent

Without doubt the quickest easiest card I’ve applied for and everything dealt through the app gives you the perfect customer service experience, have recommended Zopa to all friends and family. Reviewed on: 14th January 2023

Amazing

Superb company and always supporting their customers Reviewed on: 14th January 2023

Consistently helpful

Very little problems signing up, always helpful. Always good offers Reviewed on: 14th January 2023

Really easy to sign up :)

Great experience and helped build my credit Reviewed on: 14th January 2023

Great app helps build credit

Great little app and card helps you build a credit score if you didn’t have one or have a bad one Reviewed on: 14th January 2023

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