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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)

Fixed my life

I’ve used my card to fix my credit score massively, it’s made my life less stressful and put me back on track. Reviewed on: 26th January 2022

Amazing

Always keeping you up to date and easy to use , customer service has been fantastic too but that’s only when you need them. Otherwise Brilliant ! Reviewed on: 26th January 2022

Very transparent

Excellent customer service from application to card customer Reviewed on: 26th January 2022

Responsible lender

I have found Zopa to be a responsible lender. It has helped me back on the credit ladder. More so than my own bank that I have been banking with for years. Reviewed on: 26th January 2022

There when you need them

A while back I lost my credit card and it was so easy to have a new one ordered and to have the lost one blocked. Complete peace of mind. Reviewed on: 26th January 2022

Excellent all round service!

Zopa have been excellent during my time with them making everything simple and straightforward. Highly recommended! Reviewed on: 26th January 2022

Effortless and pain free credit

The Zopa app I'd really easy and simple to use -offering easy insights into credit rating and ways to improve Reviewed on: 26th January 2022

Great Bank.

Really easy app to use and navigate. Always kept up to date on spending and offer. Reviewed on: 26th January 2022

Great credit card - simple & straightforward

Whole process was so easy from applying to getting card to getting limit increase. You feel in control of payments and decisions. Reviewed on: 26th January 2022

Excellent Support

They’ve supported me when I needed to make a start on rebuilding my credit. Easy to use credit card with easy access to online features to help me manage my balance. Reviewed on: 26th January 2022

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