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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)

Hassle free

This is my first card in years, hadn’t needed a credit card but decided to get it for emergencies. The entire process was easy to understand and the credit limit is perfect. The option to reduce it makes it easy to control how you use it. Reviewed on: 26th January 2022

Very helpful

Easy to use and good for building credit aswell as giving a mini credit report very useful Reviewed on: 26th January 2022

Best credit card

Honestly this has been the best credit card I have ever had, best interest fees Reviewed on: 26th January 2022

Easy to use app

Easy to use and updates straight away with a bank transfer. Reviewed on: 26th January 2022

Satisfaction

Generally a good way to build your credit and trust with Lenders! Reviewed on: 26th January 2022

Brilliant

Good service and good card to choose Reviewed on: 26th January 2022

Fantastic service and really helpful

Quick and easy application process. Can always get an answer to any question and with reminders about payments im never behind! Love it! Reviewed on: 26th January 2022

Able to put credit back on track

Easy to apply , easy to understand app and really helpful Reviewed on: 26th January 2022

Simple & Fantastic

Great service, great app. Simple to use. Can’t ask for more! Reviewed on: 26th January 2022

Simply the best

Easy communication very reliable I love it Reviewed on: 26th January 2022

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