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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (44340 reviews)

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4.94

Based on 44,340 reviews, last reviewed 1st May 2026

36% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very straightforward card easy to use &the app is ve... Very straightforward card easy to use &the app is very easy to use highly recommend it Reviewed on: 1st 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 (44340)

Everything you need

Everything you need made simple and easy Reviewed on: 28th March 2022

EXCELLENT SERVICE

EASY TO USE AND COMMUNICATE WITH HIGHLY RECOMMENDED Reviewed on: 28th March 2022

Excellent credit builder

We were offered this card as a credit builder, We use it regularly and so far my credit score as fine up 150 points and climbing, Definitely recommend for people that are serious about rebuilding they’re score Reviewed on: 28th March 2022

Great card

Have enjoyed using this card and the user friendly app Reviewed on: 28th March 2022

Excellent customer service and good quality

Always listening and ready to help Reviewed on: 28th March 2022

Fantastic service

Everything was so easy to set up Reviewed on: 28th March 2022

Great service

Accepted me when others wouldn’t, easy to use and manage. Reviewed on: 28th March 2022

A reasonable rate

A reasonable rate, That allowed me to spend wisely and not cost me higher interest than most. Reviewed on: 28th March 2022

123

Very simple everything explained! Reviewed on: 28th March 2022

Excellent Features

Love the features of this card. Helps me manage it really easily by allowing me to put a cushion on my limit stopping me going over that. Reviewed on: 28th March 2022

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