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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (42870 reviews)

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4.94

Based on 42,870 reviews, last reviewed 6th Mar 2026

252700% 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

Love the texts telling me when payments have been ta... Love the texts telling me when payments have been taken and reminders of monthly payment Reviewed on: 6th 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 (42870)

Perfect for rebuilding credit

Zopa credit card accepted me when most other providers would not, due to poor credit history. The initial credit limit was small, so easily manageable, and over time this increased to allow me to demonstrate my credit worthiness. The app is very informative and clear. Reviewed on: 13th January 2023

Superb

Very good card, always get information about next payment, Reviewed on: 13th January 2023

Great card provider

The app is brilliant and helpful, quick service from the delivery and also always contactable Reviewed on: 13th January 2023

Zopa credit card

Superb company always keep you informed of how much you have spent and what you have left. Reviewed on: 13th January 2023

Amazing and helpful

I'm very happy with the choices provided, its very helpful and useful. They have an amazing helpline for costumers who need advice or don't know how to do something on the app. I recommend Zopa all the time! Reviewed on: 13th January 2023

Easy no silly lending amounts

After have a terrible experience with credit card debt in the past under step change I refrained from getting a card for many years I have a credit card with 300 limit which is always there if I ever need anything and haven’t got funds easy functional safe ! 10/10 Reviewed on: 13th January 2023

Communication good quick clearance of funds

Overall experience is very good especially clearance of funds same day availability Reviewed on: 13th January 2023

Everything I wanted from a credit card

Zopas app is very user friendly not like most apps which are not and everything about them is helpful and clear a pleasure to be part of this company would recommend to everyone Reviewed on: 13th January 2023

1st class service

quick decision and credit limit was exactly what I needed. App is brilliant and allows me instant access to my account Reviewed on: 13th January 2023

The best

10 stars.is the best company for people Reviewed on: 13th January 2023

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