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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)

Brillliant

Easy card to use ,payments are fair and the app is really easy to use thank you . Reviewed on: 7th April 2021

Great service

Is very straight forward to set up and very easy app aswel also the customer service is fantastic Reviewed on: 7th April 2021

WHY CHOOSE ANYONE ELSE

I have been with ZOPA for a while now and hand on heart they are the easiest to deal with the extras you get and all the helpful advice on credit building, the App is brilliant love them to bits... Reviewed on: 7th April 2021

Reasonable borrowing terms

Very much helpful and gives borrowers the flexibility to make payments according to your status and very affordable Reviewed on: 7th April 2021

So easy !

Quick approval and card sent straight away Reviewed on: 7th April 2021

Omg need another one

It is easy to use and they keep u updated wot go out too Reviewed on: 7th April 2021

Great card

Highly recommend this credit card. It’s great to have, super handy and comes with great extras. Even sends me a text when I use it! Fabulous company. Reviewed on: 7th April 2021

Easy to use, friendly credit card company

Not had my card long, but it has been a faultless service so far. Easy application and easy to use app. Reviewed on: 7th April 2021

Fab company

I have both a credit card and loan with Zopa. The whole process was simple, straightforward and easy to manage! Setting everything up was brilliant and the app to check my accounts is so easy to navigate. Wouldn’t hesitate to go with Zopa. Reviewed on: 7th April 2021

Great cc

Helping boost credit score!!!!!!! Reviewed on: 7th April 2021

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