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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)

Good card company. Easy to use

Easy to apply for, easy to get spending, easy to repay and clear information Reviewed on: 29th March 2022

Life saver!

This credit card is a life saver for me! After bad credit and wanting to build my credit rating zopa accepted me and it has honestly been a life saver! Reviewed on: 29th March 2022

Good credit card

Reliable and good credit card very easy to use the app. Reviewed on: 29th March 2022

it's very good

It was very simple and quick to have it and it helps me to pay what I want it is very practical thanks Reviewed on: 29th March 2022

Easy & quick application, great App

I wanted an easy to apply for and easy to manage credit builder credit card, Zopa ticks all these boxes perfectly Reviewed on: 29th March 2022

Zopa Credit card

Really easy application and the card was delivered quickly, really simple mobile set up. sends a notification when you've spent something and also outlines how much credit you have remining. Reviewed on: 29th March 2022

Great, efficient

The app is a great way to manage my card and balance. Easy to make payments on time and check actual balance. Reviewed on: 29th March 2022

Very happy customer!!

Absolutely love this product. Easy to manage on the phone app and to control spending. Nothing I can fault! Reviewed on: 29th March 2022

Future Dreams becoming reality

I’ve been using Zopa for a while now. It’s such a great, quick and easy company that help out with all quieres and requests. By using Zopa my credit score has climbed drastically and it give a lot of help in ways to improve or help out when going through a tough time. Would definitely recommend to family and friends! Reviewed on: 29th March 2022

Zopa review-amazing

Zopa has been incredible. So easy and straight forward. Love the app, the service, the customer service is amazing. And everything is just so easy with them- never any stresses!! Well done Zopa! Reviewed on: 29th March 2022

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