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Zopa: Credit card reviews

Name: Credit card
Rating: 4.92 (40272 reviews)

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4.93

Based on 40,272 reviews, last reviewed 7th Dec 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

The best card of uk than other cards The best card of uk than other cards Reviewed on: 7th December 2025

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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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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Zopa Credit card reviews (40272)

Easy and Fair

Very easy application, you are told before what your chances of being accepted are. No catches, you know what you are paying and the percentages are fair. Perfect for rebuilding your credit. Reviewed on: 15th February 2021

Best credit card

Best credit card of the year. Easy to manage with app, Reviewed on: 15th February 2021

A very good and easy-to-buy card, I would recommend it to everyone and my family as well

I use the card every day and I build a credit history. A very good card I can recommend to anyone Reviewed on: 15th February 2021

Great card and app

Easy process to apply. Great app really lets you control your spending. You can set a buffer for emergencies, it alerts you every time you use it. A lot of thought has gone into this. APR perhaps a little high HOWEVER I have a bad credit rating so not surprised. Reviewed on: 15th February 2021

Very quick and easy to apply

Very easy to apply and my card was received within 2 days. The app is very easy to understand Reviewed on: 15th February 2021

Great Credit Building relationship

Took this credit out to build up my credit, it was hassle free to sign up too and comes with the app so can see what and where your spending. All in all a great little card. Reviewed on: 15th February 2021

Helpful and simple

I love this card it’s really easy to use and interest free Bravo Vova Reviewed on: 15th February 2021

Excellent

Great card very happy with it had it for a few months now straight forward to use Reviewed on: 15th February 2021

Just Great

Creates a lot of attention as Zopa is not yet a brand known by many. Love the look of the card, and only negative is no Apple Pay yet. Statement couldn’t be simpler. Interest is reasonable, although I pay my balance in full at the moment and hope continue to use the card to gain credit grace before paying and retain/build my good credit score. Borrowing Power is also a great tool through the simple, no nonsense app Reviewed on: 15th February 2021

Would recommend this card.

Easy application process without any hassle. The app is also designed to help you further with easy access to your account . You can pay your credit card and help your credit score at the same time Reviewed on: 15th February 2021

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