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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41972 reviews)

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4.93

Based on 41,972 reviews, last reviewed 18th Feb 2026

167000% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great team and easy to use app. Great team and easy to use app. Super easy to sign up and everything is very straightforward. Reviewed on: 18th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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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 (41972)

Not recommended

Interest rate keep going up, 2 high for people who are on low income, I would not recommend, I can't wait to clear mine and close it down. Reviewed on: 13th January 2023

Excellent

Zopa credit works efficiently with hassle free Reviewed on: 13th January 2023

Nice n fast

Fair interest rate and faster response Reviewed on: 13th January 2023

Easy to apply

Easy to apply nice app on the phone to control your spending Reviewed on: 13th January 2023

Zopa

The best company ever zopa they Value your custom any problems They will sort it out ASAP so easy Online I wouldn't be without them So get zopa thank you to all the team Reviewed on: 13th January 2023

Excellent choice of card

Easy to apply for good customer service and great benefits too Reviewed on: 13th January 2023

Hassle free lending

I have had regular contact and suitable affordable credit increases. Reviewed on: 13th January 2023

Supa Zopa

Helped me on to the credit builder after being in direstraits , Never looked back Competitive rates and get better as you build your credit Reviewed on: 13th January 2023

Good all round company

Easy to use app and communication between company and client. Notifications make it easy to see what spends have been recently done Reviewed on: 13th January 2023

Exceptional credit card with good offers

The monthly interest rate is very good Reviewed on: 13th January 2023

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