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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

200% 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)

Great

Found them easy to talk too and easy to do things online Reviewed on: 7th April 2021

Fantastic Lender

I have a few credit cards and I always say to my partner Zopa is my favourite and he laughs at me, but it really is. Although I have a lower credit limit with this card I use it often due to the ease of transactions, payments and low interest rates. I also find the app interesting and easy to use and monitor, love how my spending is categorised too (even though this can sometimes serve as a wake up call!) The card itself is bright so not easy to loose. Overall I rate Zopa really highly and look forward to continuing to use them. Reviewed on: 7th April 2021

Moderate Users

Excellent and easy to use fast on payments very user friendly, however have to wait very long for increased credit limit and very strict Reviewed on: 7th April 2021

Excellent

Great customer service. Easy to use. App great too Reviewed on: 7th April 2021

Credit card

It’s a great App for the credit card. Reviewed on: 7th April 2021

Brilliant Credit card

Zopa credit card is good for everyday spending and takes few minutes to complete online request if eligible card is recieved quickly without delay Reviewed on: 7th April 2021

BRILLIANT!!!!

Very good credit card and customer service. They never increase your credit limit just on there say so. They look at your affordable and personal circumstances. Making payments can not be simpler with your balance up dating straight away. Reviewed on: 7th April 2021

Excellent customer service

Easy to use, excellent service. The app is an easy set up and makes it easy to make the payments with the click of a finger Reviewed on: 7th April 2021

Honest, fair lender.

Not much to say. Reliable, honest and fair lender! Reviewed on: 7th April 2021

Zopa credit card

Excellent card Gave me a card when other companies wouldn’t and been very helpful Reviewed on: 7th April 2021

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