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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43506 reviews)

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4.94

Based on 43,506 reviews, last reviewed 11th Apr 2026

156350% 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

Fair interest rate and credit limits Their credit card is great to use with fair interest rates and credit limits. Having this helped me get access to other products. Easy to use app Reviewed on: 11th 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 (43506)

Good credit card

It helped me when no other couldn't Reviewed on: 29th March 2022

The best!

I am very happy with the credit card! Reviewed on: 29th March 2022

Payments are quite easy

The best British credit card I have used so far. Reviewed on: 29th March 2022

Very easy to apply and use

I would recommend them to everyone.. Reviewed on: 29th March 2022

Great app and very accessable

Great app only the APR is pretty high but hopefully great for credit building Reviewed on: 29th March 2022

The best

Zopa is the best ,no 1 for me and I recommending for all people! Reviewed on: 29th March 2022

Roy nash

Since using Zopa I have found it probaly the best credit card to use…app is very easy to navigate…all terms and conditions explained very straightforwardly … I would give Zopa top marks Reviewed on: 29th March 2022

Easy

Easy to use online app best credit card out there Reviewed on: 29th March 2022

Credit card

Easy access to the app to matting your account and good to build up your credit score Reviewed on: 29th March 2022

Very easy application process and the user friendly app is great

The application process was very straightforward and got my card within days. The app is very user friendly keeping you up to date with your card usage and full of information and answers Reviewed on: 29th March 2022

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