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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43504 reviews)

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4.94

Based on 43,504 reviews, last reviewed 9th Apr 2026

156250% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 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 (43504)

Easy supportive

I never thought I would be able to get credit until I found Zopa, I was over the moon, my credit score has gone up and using the app you know where you are . Reviewed on: 26th January 2022

They look after the poster people

Zopa were the only Company that believed in me and trusted me enough to approve a credit card for me. They look beyond the person's credit score. Reviewed on: 26th January 2022

Brilliant

The app is so easy to use and the customer service is professional and easy Reviewed on: 26th January 2022

Good idea

Really helps to build credit if you read what is written xd Reviewed on: 26th January 2022

Excellent service

Excellent service, very quick to respond, very helpful Reviewed on: 26th January 2022

Very good

All depends on your credit rating if is good you can get lower Apr. They are responding really quickly. Reviewed on: 26th January 2022

Zopa credit card

Zopa is fantastic! You can manage your money easily. If you want to save a little for that rainy day it has a function that allows you to do that. The customer service is also second to none! I think over all Zopa is one of the best credit cards by far! I would most definitely recommend to anyone. Reviewed on: 26th January 2022

The choice to make

Easy application but with thorough checks to make sure your safe and the card is affordable for you . Great customer service no question too much trouble advisers always there to help . Attractive card sits well in your purse /wallett Reviewed on: 26th January 2022

Great Service.

All round good experience, had some fraudulent activity on my account, very efficient at resolving the problem. Reviewed on: 26th January 2022

Fantastic!! Great provider

Can’t believe why I didn’t have them before ! I would highly recommend!! Reviewed on: 26th January 2022

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