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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

300% 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)

Customer Experience incredible

After having had trouble with credit in the past, Zopa offered me a preapproved card at a reasonable rate considering my credit history. The customer service, and start up service was fantastic. Would highly recommend. Reviewed on: 29th March 2022

Quick, easy and hassleless

I’ve been with Zopa for about two months now and everything is organised well on the app too. The security when buying items online is great! Always checking to make sure it’s me :) Reviewed on: 29th March 2022

Excellent

Great service, great customer service Reviewed on: 29th March 2022

Easy to use

Straight forward and legible. I can see what is going on and not bombarded with offers I have no interest in (excuse the pun) Reviewed on: 29th March 2022

Saved my life

Honestly a financial light at the end of the tunnel Reviewed on: 29th March 2022

Really good company and credit card

Zopa is very user friendly. I think it’s a perfect card to start off when you’re new to credit, also for people who need to build up their credit. The app is very nice and easier to navigate through, it’s not complicated nor is it just plain. I really enjoy using the card (in a sensible way of course!). The payment structure isn’t to dissimilar to others, but I just prefer the overall experience with Zopa. The application was really simple to. Applying for credit for people who are new to the concept can be quite intimidating, however the credit application with Zopa was very simple. For instance my girlfriend has never applied for credit because some of the applications look “scary” in her words, however when I showed her the application stage on Zopa when I applied, she said it didn’t look as “scary” as the other credit application she’s looked at. My overall score is a 10/10 for me! Reviewed on: 29th March 2022

Great

Gave me a card when refused by others but still a reasonable apr Reviewed on: 29th March 2022

Straight forward and helpful

Zopa makes it easy to manage your finances and to get help if and when you need it. The app is customer friendly and zero fuss. Reviewed on: 29th March 2022

Excellent service

Excellent service, friendly staff, very helpful Reviewed on: 29th March 2022

Zopa are great!

My card came really quickly and the app is so easy to use. No issues so far and don't envisage any either. Good luck Zopa! Reviewed on: 29th March 2022

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