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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)

Very Good

Good service, App is easy to navigate Reviewed on: 29th March 2022

super easy to use!

perfect for a first credit card, really easy to use! Reviewed on: 29th March 2022

A great bank and easy to use platform

A great bank and easy to use platform Reviewed on: 29th March 2022

Easy to use service

Overall great service, very fair and the app is easy to use. Reviewed on: 29th March 2022

Really easy to set up and use!

No issues at all from application to card delivery and use. Really easy app. Reviewed on: 29th March 2022

Nice to have it

All good but will be best if we have direct debit option from bank instead of card Reviewed on: 29th March 2022

The most straightforward process yet.....

I really enjoyed the whole process, from start to finish everything was smooth and easy to be onboarded and the app is great. Couldn't ask for anything more! Reviewed on: 29th March 2022

Happy Zopa User

This is the best card for people starting to build a credit score and who are very recent to the country Reviewed on: 29th March 2022

Quick, easy & reliable

It was quick and easy to first set up and account and only took a few days for my card to arrive. The interest rate is fair and has helped me so much toward building my credit back up! Would highly recommend to anyone looking to build credit. Reviewed on: 29th March 2022

Fabulous bank and credit card company

Very easy to apply, brilliant looking credit card with the App which works perfectly! Well done Reviewed on: 29th March 2022

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