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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)

Excellent

Excellent very good, happy to zopa Reviewed on: 13th January 2023

Brilliant

Zopa are with you every step of the way Reviewed on: 13th January 2023

Credit card review

Excellent credit card great value and service Reviewed on: 13th January 2023

Really understand me

Zopa really understands me and my needs with my credit card it’s just been amazing journey Reviewed on: 13th January 2023

Best credit card I've ever had

Simple application, easy to understand and often updated conditions. Helpful staff members and easy to use! Reviewed on: 13th January 2023

Modern and fit for purpose

In a world where you can trust very little, Zopa gives the user a modern experience full of safety features. Reviewed on: 13th January 2023

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

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