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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

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4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

312800% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th April 2026

Latest lowest rating:

1

Schizophrenic lunatics I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 202... Read more Reviewed on: 9th 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 (43506)

Great credit card

Arrived quickly and was an easy application. The credit cushion is a great addition! Reviewed on: 13th January 2023

Amazeing company

Help with everything start finish keep Updated all times Reviewed on: 13th January 2023

Very Fair Company

They offer several lines of credit and deal each application on a fair and open basis Reviewed on: 13th January 2023

Responsible and easy to navigate

I have a low limit and have never missed a payment. Usually pay in full but not always. Never had any problems with Zopa so I'll carry on using them. Reviewed on: 13th January 2023

No issues , fast payments and statements

Every on line , no need for paper copies Reviewed on: 13th January 2023

Easy to use, quick decision.

Low interest card, quick decision to apply. Reviewed on: 13th January 2023

Good company

Good company had no issues straight forward and easy Reviewed on: 13th January 2023

Good

Easy to use I’ll recommend this credit card to anybody I think it’s the best Reviewed on: 13th January 2023

Helpful

Very helpful and friendly service. Happy to recommend Reviewed on: 13th January 2023

Very good

Easy phone app, good service, can view pin on app if you forget, a good credit card, went over limit by accident and didn’t get charged. Reviewed on: 13th January 2023

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