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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44345 reviews)

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4.87

Based on 44,345 reviews, last reviewed 31st May 2026

65% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good satisfaction easy to get Very good satisfaction easy to get Reviewed on: 31st May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th 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 (44345)

Zopa is Supa!

In the past, due to unforseen circumstances, my credit score became less than perfect. When your in that kind of position it soon becomes apparent that options for credit providers are few and far between. I wanted to rebuild my credit score and luckily for me, I was lucky enough to have my application approved by Zopa.Long story short. Although I'm now in a position to hold other credit cards, Zopa is still my go to credit provider. I've kept up my regular payments, proven myself to still be reliable and Zopa have rewarded me by being a constant in my life. They've helped put me back in control and given me a more than welcome flexibility in my finances. Thank you Zopa. Reviewed on: 13th January 2023

Very happy with this provider

I appreciate having the zopa card it's useful to me and I use it regularly Reviewed on: 13th January 2023

Great company

They have been incredibly fair and transparent and the app is fantastic. Reviewed on: 13th January 2023

Great service

Fantastic fast and efficient service Reviewed on: 13th January 2023

Great to work with

Great credit card company to work with no hassle always straight forward and very helpful thank you zopa Reviewed on: 13th January 2023

Customer comes first. Great interest rates.

This card is a wee belter! It is my wee cushion if I want to treat myself or have a domestic problem or maybe forgot a birthday! I love it and any time I have had to speak to an agent they have always had me at the heart of the query. Reviewed on: 13th January 2023

Brilliant service

Helped me in a time of need. Highly recommend Reviewed on: 13th January 2023

service

all over excellent and best card Reviewed on: 13th January 2023

Zopa puts things right

I find zopa a caring company not forcing high credit limits on you and always available for a chat keep up the good work Reviewed on: 13th January 2023

a fair and trusted card

i love this card and take it every where i go Reviewed on: 13th January 2023

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