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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43503)

The best credit builder on the market

Excellent customer service very good credit builder no fuss just pay on time Reviewed on: 30th March 2022

Easy and convenient

With a poor credit score Zopa are helping me to a brighter future Reviewed on: 30th March 2022

Fantastic

Great easy to use very good credit card shows all your expenses Reviewed on: 30th March 2022

Completely hassle free

Very efficient service as son as you spend it is registered and you are informed immediately. Also a kind and caring customer services. Thank you for everything that you do Reviewed on: 30th March 2022

Excellent service

Easy application, approval in minutes. Brilliant app to keep track of spending and payment is easy too. Good communication and offered an excellent savings account with app support making it easy to move money between accounts with different interest rates. Would definitely recommend. Reviewed on: 30th March 2022

Great customer service

Having had a bad credit score Zopa has helped me build this back up, great customer service overall great Reviewed on: 30th March 2022

Best credit card

Excellent services and conditions Reviewed on: 30th March 2022

Its helped me build my credit And its very simple

Its great as a credit builder and starter Reviewed on: 30th March 2022

Easy and supportive

I have clarity about my limits, payment dates and get reminders in time to keep up. Reviewed on: 30th March 2022

Excellent customer experience

Easy to use app and customer service is brilliant. Reviewed on: 30th March 2022

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