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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

156350% 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)

Fantastic service

Applied and got accepted when I was turned down by others had a small isuue when I 1st tried to use my card but one quick call to the absolutely fantastic customer service team and I was up and running I would highly recommend zopa to anyone. Reviewed on: 13th January 2023

Zo fantastic

I love having this card for emergency unexpected expenses especially during this cost of living crisis. Very easy to apply for and fast decision. Reviewed on: 13th January 2023

Responsible lender

Applying on line was straightforward. Responsive to questions and queries. Reviewed on: 13th January 2023

No Hassle

Been with Zopa for nearly a year I personally have had no trouble with the company it’s be a good experience with them, always happy to help always at the end of the phone or email. Rates are perfect for people like myself, take no time in applying I’d definitely recommend Zopa to family and friends. It’s definitely a company that’s is straight down the middle with no hassle just how I like it. Reviewed on: 13th January 2023

Friendly easy service

Good credit card company to use. Friendly customer service. Reviewed on: 13th January 2023

The best

Simple the best credit card company ever Reviewed on: 13th January 2023

Excellent

Excellent services best option Reviewed on: 13th January 2023

Easy to use

Honestly haven’t come across an easier app and company to use for a credit card. Makes my life easier! Reviewed on: 13th January 2023

Great service

Great service always there to help overall great company Reviewed on: 13th January 2023

Excellent service. Very fast providing needed credit. Interest rate not as expensive as most. Very clear with conditions. I am very happy with their service.

I always had access to all the information I required. Reviewed on: 13th January 2023

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