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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43505 reviews)

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4.94

Based on 43,505 reviews, last reviewed 10th Apr 2026

156300% 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

Great credit builder and a good credit limit Great credit builder and a good credit limit Reviewed on: 10th 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 (43505)

Credit card made simple

Very Easy to use app takes the mystery out credit card experience. Reviewed on: 29th March 2022

Excellent company

Very good communication, very fair rate, no problems at all! Reviewed on: 29th March 2022

This is an amazing bank which aloud me the chance to build back my credit rating

I was struggling with my credit after my ex girlfriend took out lots of things in my name and didn't pay them, zopa aloud me the chance to build up my credit by giving me a card, I have now got up to 554 on my clear score from 121 in just 1 year... Reviewed on: 29th March 2022

happy

I am happy and is very helpful Reviewed on: 29th March 2022

Easy to use app

Very easy to see spending and pay from the app Reviewed on: 29th March 2022

Brilliant service

Easy to use app brilliant service Reviewed on: 29th March 2022

Brilliant

Quick and easy to use it's amazing and have already told people about zopa Reviewed on: 29th March 2022

User friendly

Easy to use, notifications are handy Reviewed on: 29th March 2022

Fast and helpful

It took minutes to be approved easy understanding application and great little App to monitor my movements Reviewed on: 29th March 2022

Simple to use easy to keep track

The card is a card, the beauty is the App and how easy it is to use and keep track of spending Reviewed on: 29th March 2022

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