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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

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4.94

Based on 43,505 reviews, last reviewed 10th Apr 2026

156300% 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

Great credit builder and a good credit limit Great credit builder and a good credit limit Reviewed on: 10th 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 (43505)

Credit card

Zopa is an excellent way of building your credit easy to speak can’t be happier Reviewed on: 13th January 2023

Honest

I have a zopa credit card and interest rate is stable. No hidden charges compare to other.. Reviewed on: 13th January 2023

Zopa credit card

Support, instruction, loyalty, professional, what more can I say apart from thank you zopa you have helped me change my financial status Reviewed on: 13th January 2023

Minus 5 starts

Three times the support re-ordered my credit card two months passed I still haven't received it Reviewed on: 13th January 2023

100% Credit Enhancer

ZOPA has enables me to gain a decent credit card for my low credit score. The app is excellent and very user friendly. Never a problem whilst been with Zopa and its actualy helped improve my credit score. Reviewed on: 13th January 2023

Ricky

Brilliant company so at ease easy to talk to very helpful Reviewed on: 13th January 2023

Easy use good customer serice

Very informative keep you updated Reviewed on: 13th January 2023

Superb

Always helpful very easy to use the app and secure to use. Great service Reviewed on: 13th January 2023

Great Service!!

Zopa Credit Card is a great service for those who want to manage their spending, get better deals on their credit card, and enjoy a host of other benefits. They have excellent customer service, and their rates are among the lowest in the country. Their app is easy to navigate, so you can use it anywhere you want! Reviewed on: 13th January 2023

Great product great control

Full control over account with being able to pay back instantly with it showing straight away Reviewed on: 13th January 2023

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