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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43284 reviews)

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4.94

Based on 43,284 reviews, last reviewed 8th Mar 2026

145850% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

great support and help to build credit great support and help to build credit Reviewed on: 8th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 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 (43284)

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

Great and supportive credit provider

This credit card for me a woman rebuilding her credit is a life saver. It has a great app and helps me keep track of my spending with many excellent resources aimed at helping me plan for a better credit score whilst utilising credit. I really appreciate this card Reviewed on: 15th February 2021

Easy access

Brilliant access to my account, very helpful customer service. Extremely easy to use accessible app also. Have recommended to friends and family already and would hesitate to do it again! Reviewed on: 15th February 2021

Opportunity card for all of us

Thank you for accepting my application. Credit affected by fraud and domestic abuse, you took a chance on me and we have both won. I’m one of the credit worthy applicants you’ll have so thanks for the chance to prove the fat cats wrong. Reviewed on: 15th February 2021

Fantastic

Good service Helpful apps All round fantastic Reviewed on: 15th February 2021

Best credit card

Excellent service and quick to get thru on phone Reviewed on: 15th February 2021

Mr Sean McGonagle

Great app. Easy to use and keep track of spending. Reviewed on: 15th February 2021

The best provider

I was served prompted and profesional Reviewed on: 15th February 2021

Simple easy and secure.

I have only had this credit card account for 4 months. I have a limited amount of credit, which is manageable and further helps me to control my credit use as well as my improving score. Reviewed on: 15th February 2021

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