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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)

Just great

Great to deal with simply the best staff Reviewed on: 13th January 2023

Credit

Very easy to use app, always helpful and friendly on the phone. Good product and would recommend to anyone Reviewed on: 13th January 2023

Excellence

This is one of the beat services out there, straightforward and very pleasurable Reviewed on: 13th January 2023

Best Credit Card around

Fantastic card I take everywhere and great rates. Reviewed on: 13th January 2023

Easy and safe

Such a great service with a safe and secure Feeling and the app is fantastic. Reviewed on: 13th January 2023

I very much enjoy using my Zopa card

Abroad it is brilliant, you can see the exchange rate immediately Reviewed on: 13th January 2023

Amazing credit card service

Excellent service from the company. They provide a wide range of lending and banking options in their app. Reviewed on: 13th January 2023

Best thing to happen to me

I had some trouble in the past with a credit cards that helped destroy my credit score (vanquish+capital one) by allowing me to get too close to my spending limit and then when the interest hit made me go over then charged me more for it and I couldn't get out of it. But Zopas Credit cushion stops me from ever making that mistake. It has also helped raise my credit score again. Thank you Zopa you also helped me rebuild my life after a split and had to buy new bedroom furniture. My hero Reviewed on: 13th January 2023

My card

I can say they have been the best card provider I av ever used no problem with bills or time to pay Reviewed on: 13th January 2023

Worth it

Good rates and easy processes. Regular communication too. Reviewed on: 13th January 2023

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