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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)

Excellent

Excellent pepper and stress free credit card management Reviewed on: 13th January 2023

Hassle free use with the option of balance transfer

From painless application to easy use - both buying and paying the credit card - makes Zopa a winner for me Reviewed on: 13th January 2023

Customer minded service

Communication great, Product great , Website has ease of use. Great money saving and financial tips would recommend card to others Reviewed on: 13th January 2023

Best card ever

Fantastic applied for this because my wife had one got accepted straight away Had an unfortunate experience so could not pay it one time they did not chase me or hassle me in anyway just offered me help now sorted brilliant Reviewed on: 13th January 2023

Fantastic credit card!

Zopa are fantastic all round credit provider, the credit card I have has been easy to use and easy to view my balance on the app. I’ve experienced no issues or problems, which is great I would highly recommend Zopa to friends and family Reviewed on: 13th January 2023

Easy and online platform is amazing

I love how open they are - % available at the click of a button, best online platform I’ve used! The borrowing power too is an added bonus! Reviewed on: 13th January 2023

Great app, Hassel free

Using the app is so easy, instant update on balance when payments are made Reviewed on: 13th January 2023

Brilliant company

Great service no hassles always helpful Reviewed on: 13th January 2023

So easy!

So easy to set up and to use! I have been using Zopa for a couple of months, and for someone like me who only recently moved to the UK and was not used at all to using credit cards and credit scores, this is a great way to get started. Reviewed on: 13th January 2023

Quick and easy to use

The card is easy to use I’ve used it with no problems. The app is also easy to use. No problems paying my bill Reviewed on: 13th January 2023

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