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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44345 reviews)

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4.87

Based on 44,345 reviews, last reviewed 31st May 2026

48% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good satisfaction easy to get Very good satisfaction easy to get Reviewed on: 31st May 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th 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 (44345)

Simple, great rates, happy spending

The Zopa credit card gives you the flexibility to spend then spread the cost with great interest rates. Meaning I have more freedom and can make smart decisions. Easy to use and accessible app that allows you to keep on track of your spending. I couldn’t recommend it more. Reviewed on: 29th March 2022

Fantastic credit card

Great all round card, would highly recommend. Great for credit building and very user friendly app Reviewed on: 29th March 2022

Fan Zopa Tastic

One of the best Cards out there .Easy app Easy payments Perfect . Reviewed on: 29th March 2022

Excellent helpful services to help rebuild your credit score

Zopa app makes it so easy to manage your account, track your credit score and using there coach tool help repair your credit score. Reviewed on: 29th March 2022

Excellent

Simple easy to use app, great customer service. Reviewed on: 29th March 2022

Excellent customer service relations

Turn around time in resolving querries was fantastic and satisfactory Reviewed on: 29th March 2022

Great and trustful company

I had a very poor credit score and was struggling to optain a credit card, I found zopa, instant decision online and a good limit that has helped me and still helping me build my credit, there app is great at tracking what you spend and what you pay back, would definitely recommend to anybody that needs help with their credit score Reviewed on: 29th March 2022

Help when you need

I simply needed small financial help and from so many providers Zopa help me, much appreciated Reviewed on: 29th March 2022

Easy to apply , easy to manage

Excellent app with great support Reviewed on: 29th March 2022

Good lender with very user friendly app

The Zopa app is very easy to use and is littered with useful information. They are a very good first lender. My only criticism is that they are quite conservative in the amount they will give on credit. This is a positive for those who are new at taking credit however. I have had the same credit limit for some time and have other credit accounts with much higher limits. Either way I would definitely recommend Zopa. Reviewed on: 29th March 2022

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