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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)

Top card

Very good service and easy to use app Reviewed on: 26th January 2022

Amazing company

Great customer service, informative emails and communication first class service Reviewed on: 26th January 2022

Best credit card

Best credit card I’ve had low interest rates and easy to use app and also easy repayments Reviewed on: 26th January 2022

Excellent levels service

This provider has been excellent throughout my time with them, no questions is not answered in a timely manner. The app is great, I feel comfortable using their service and in control. Reviewed on: 26th January 2022

Not like the usual credit card companies

I was skeptical as never really heard of Zopa but after applying and getting my card I couldn't be happier with the service, the app is fantastic and very easy to use Reviewed on: 26th January 2022

Good all round

Simple and clear t&C's, Good starting limit, very good aftercare information. Reviewed on: 26th January 2022

Great

Excellent and professional service Reviewed on: 26th January 2022

Great service

Very helpful no hassle great service and they care about people Reviewed on: 26th January 2022

Easy

Very easy to use and easy to repay Reviewed on: 26th January 2022

Reliable helpful

I couldn’t get credit many places and I have been trying to build my credit score and the zopa credit card has given me a chance to get my credit score up by accepting me for a credit card I have already seend my score go up by 30/40 points in the last few months. No issues with the card or making payments very easy app to use. Appreciate all their help. Reviewed on: 26th January 2022

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