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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)

Great product

Helps me control my financial life. Also offers other products better than high street bank's Reviewed on: 13th January 2023

Easy and quick application with reasonable rates

Quick and easy decision when applying. Receive notifications when I use the card and also when making payments Reviewed on: 13th January 2023

Best lending company I have used

Zopa is easy to use and reliable also offering many features such as being able to open saving accounts and viewing your credit score Reviewed on: 13th January 2023

Fantastic addition to my wallet

Great to have Reviewed on: 13th January 2023

Easy to take easy to use

Best credit card I've ever had, really easy to apply, fast respond, fantastic helpline Reviewed on: 13th January 2023

Pleasant all round

Easy application process and a great app for ease of use and account management. Reviewed on: 13th January 2023

Great Credit Company

Very grateful to be accepted for credit with this company - the process was quick and easy! The app is so eqsy to navigate and I like the credit cushion factor - nice little touch! Reviewed on: 13th January 2023

Great service

Really good interest rates and excellent online app Reviewed on: 13th January 2023

Fantastic

Since I’ve had my credit card with Zopa it’s made my life a lot easier especially with the cost of living I truly believe I would be stuck without it. Fantastic company I 100% recommend it. Reviewed on: 13th January 2023

Very good service and app

The apps very good and service really good . I got 0 percent with no fee . Reviewed on: 13th January 2023

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