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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)

Best credit card

Love this company. Very good credit card. Low fees and good customer service. Reviewed on: 13th January 2023

Excellent

Easy to apply for, very helpful and easy to use app. Reviewed on: 13th January 2023

Brilliant and easy to use

Zopa is easy to use and very easy to understand , they want to help you and every cost Reviewed on: 13th January 2023

Keeping on track

The card is great it keeps you up to date with all your spending and gives you plenty notice when your next payment is due Reviewed on: 13th January 2023

Fantastic

Can not fault the company. Take everything into consideration will highly recommend Reviewed on: 13th January 2023

Amazing, Clear and easy to understand

ZOPA credit card is so clear and easy to understand. I love the fact that you can set up a credit cushion for unexpected finances. You can track your spending, and on making payments in shops, a message comes up where you last spent money, which helps you keep on top of spending. Love it, thanks , ZOPA Reviewed on: 13th January 2023

Exactly what you want!

Excellent helpful and understanding company first class ! Reviewed on: 13th January 2023

Great card

Easy to use good deals really think it is a good product Reviewed on: 13th January 2023

Simple to use

Great credit card and very easy to use Making payments are simple and fast Reviewed on: 13th January 2023

This is by far the best credit card I've ever had.

Great company. Very lovely staff. Good rates and will recommend to others. Thanks. Reviewed on: 13th January 2023

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