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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44343 reviews)

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4.94

Based on 44,343 reviews, last reviewed 13th May 2026

35% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Has been very positive not had any issues with my ca... Has been very positive not had any issues with my card or account Reviewed on: 13th May 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 (44343)

Very easy to use app.

App is very easy to use, keep track of spending, make payments and customer service always eager to please excellent card to help build your credit score Highly Recommend Zopa Reviewed on: 13th January 2023

credit card provision

EXCELLENT CREDIT CARD AND LOAN PROVIDER Reviewed on: 13th January 2023

Great credit company

Easy application and speedy decision. Reviewed on: 13th January 2023

Great Company

Nice company, helped me build my credit and look after you. I really do recommend to people to help sort there credit out. Reviewed on: 13th January 2023

Great second chance

Zopa was able to give me a second chance at credit. Thanks to them I now have credit. Reviewed on: 13th January 2023

Zopa is best credit provider

Brilliant company, great desls, great prices. Highly recommended to all. Reviewed on: 13th January 2023

Sensible Credit

Zopa have been amazingly supportive in helping me manage my credit. My card has a credit cushion facility which is brilliant for managing emergency situations. Modern and reactive credit that encourages money management. Reviewed on: 13th January 2023

Thank you

After going through a few really hard financial years my credit score was pretty bad. I was very surprised that Zopa gave me the opportunity show that I’m more able then my score reflects Reviewed on: 13th January 2023

Quick and easy

Quick decision and very easy to apply for a Zopa credit score. Great that all accounts are displayed in dashboard Reviewed on: 13th January 2023

Easy application, decent credit limit, very good apr

I have a default and 2 unsatisfied CCJs on my credit report from a financial blip a few years ago. Zopa still offered the best credit limit and by far the best apr compared to every other provider Iv looked at, 20% lower apr in most cases. Easy application process, and managed from an app with fortnightly affordability updates that show you what other products you might be eligible for, loan, car finance, savings etc. very happy with Zopa, got the chance to rebuild my credit without being ripped off Reviewed on: 13th January 2023

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