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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

312800% 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)

Best new credit card

Brilliant customer service. Easy to use app. Good interest rate. Simp Reviewed on: 7th April 2021

Great

So easy to use and just the right amount of credit. Would recommend to anyone Reviewed on: 7th April 2021

Best credit card

I use my credit card to make purchases online or in stores and pay bills. Reviewed on: 7th April 2021

I highly recommend

I am very happy with the ZOPA credit card Reviewed on: 7th April 2021

Absolutely brilliant

So easy to use best card ever would recommend to anyone starting on the credit ladder Reviewed on: 7th April 2021

Easy and friendly

Nice and friendly customer service, I get credit card after few days, easy access for app, . Reviewed on: 7th April 2021

So simple and easy to use

Very quick and easy to apply and very easy to set up payments,would be 5 stars but for the credit limit ,but you have to start somewhere Reviewed on: 7th April 2021

Awesome

Brilliant card ever and very helpful Reviewed on: 7th April 2021

Simplicity

Just so handy for those times when something comes up and it's not payday. Reviewed on: 7th April 2021

Great Card and good service

Really simple process to open an account, decent credit limit to start with, amazing service thank you Zopa. Reviewed on: 7th April 2021

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