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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

200% 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)

Easy access low interest complete transparency

Completely transparent and clear with interest and withdrawal charges can’t ask any more from a credit card provider! Reviewed on: 13th January 2023

Mr muhammad

Excellent with all country used with zopa card Reviewed on: 13th January 2023

Experience is excellent

Excellent service and excellent card provider Reviewed on: 13th January 2023

Great Asset

Great card and saved us a few times already. They are very friendly and the app is really easy to use. Defo recommend as an additional asset. Reviewed on: 13th January 2023

Excellent

Prompt, reliable services and maximum safety Reviewed on: 13th January 2023

THE BEST!

As a new credit card customer Zopa have gone above and beyond to support me with my credit. The app itself is very easy to use and talks you through your options, very straight forward. The smart savings account has helped me manage my money, which has helped me save, helping my credit, leading me towards a higher borrowing rate on my credit card which has helped me with my driving ! I wouldn’t have been able to do this without Zopa!! Always discovering ways to help me save my money! Highly recommend! Reviewed on: 13th January 2023

Excellent service and affordable

Excellent Customer Service and affordable payment plans Reviewed on: 13th January 2023

Excellent product easy to use and easy to manage your finances

Again excellent products would be happy to recommend people Reviewed on: 13th January 2023

Amazing

Simply the best user friendly credit card on the market Reviewed on: 13th January 2023

Easy

Easy to use app. Set up direct debit for repayments and nothing to worry about. Would definitely recommend Reviewed on: 13th January 2023

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