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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)

Perfect For All

Zopa have been amazing to work with at all stages of every process. More importantly the experience didn't change when my cretin score took a dip. Highly recommended ! Reviewed on: 13th January 2023

Zopa Credit & Balance Transfer

First class - I have 10 cards and this is the most progression and exciting product of them all. One of the o it cards that I would recommend Reviewed on: 13th January 2023

Easy and accessible

I'm partially sighted but find communication open and the app easy to use. Reviewed on: 13th January 2023

ALWAYS READY TO HELP

AFTER APPLYING FOR MY CARD, THOSE AT ZOPA PROVED TO BE VERY HELPFUL AND ARE ALWAYS ON HAND AND WILLING TO HELP IN ANY WAY THEY ARE ABLE. I ONLY WISH I'D APPLIED A LOT EARLIER Reviewed on: 13th January 2023

Perfect for building credit rating, customer service amazing.

Easy to apply, set up and payments are pretty flexible. Credit builder feedback on the app, app is very user friendly. Customer service staff are absolutely amazing amd very helpful. Reviewed on: 13th January 2023

Great card , great company

A few years ago I started an Iva and am happy to say that I’m out of it now , when I went searching for a credit card to boost my credit rating this was the only company who gave me a chance to rebuild my credit rating , all other companies didn’t give me a second thought . Now I am on my way to an excellent credit rating thanks to Zopa. I cannot recommend this company highly enough for the chance I was given . Thankyou Zopa !! Reviewed on: 13th January 2023

Excellent Zopa

Good company with excellent products , great service and sensible professional advice offered . Reviewed on: 13th January 2023

Zopa is good

I like to use Zopa card because everything is good Reviewed on: 13th January 2023

Prompt and quick

They provide quick feedbacks and help you make your choices better Reviewed on: 13th January 2023

Amazing company

Easiest way to improve bad credit Reviewed on: 13th January 2023

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