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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 credit card

Amazing credit card quick easy to use, fast response would definitely recommend any day Reviewed on: 13th January 2023

Easy peasy credit card

Easy to apply, easy to use, accessible app, good communication Reviewed on: 13th January 2023

Easy to keep a track on app

Poor credit limit but on a whole easy app and good customer services Reviewed on: 13th January 2023

Dies what it says on the tin

Easy to use. Payment cleared almost immediately Reviewed on: 13th January 2023

Best service

They ate the best service provider Reviewed on: 13th January 2023

Very helpful information about how to build a credit score

One of the best credit card for beginners to improve credit score Reviewed on: 13th January 2023

I'm so happy

Everything is going easy. Upgrading is coming fast and easy Reviewed on: 13th January 2023

Great product

Great card with full online access. Easy to control spending and check balances. Also notification after every spend. Reviewed on: 13th January 2023

Help when needed

As a bankrupt almost at discharge, I needed a card to help build my rating. The application process was simple and I didn't feel like I was going to be rejected. The interest is reasonable and the app means I can control my account easily. It has helped me, and I will be continuing to use this now I am discharged to build my credit score. Reviewed on: 13th January 2023

Amazing company

Customer service good . No issues Reviewed on: 13th January 2023

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