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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

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)

Always there when I need them and easy with me when...

Always there when I need them and easy with me when I'm late with my payment. A very good credit card Reviewed on: 17th April 2025

Fantastic service

Easy to apply and set up account once approved simple enough to navigate when using the web site Reviewed on: 17th April 2025

Fantastic all round no problems at all

Fantastic all round no problems at all Reviewed on: 17th April 2025

A fair and just company.

They look at you in a good way and put you on a better level with your account as they see fit Reviewed on: 17th April 2025

Very easy to apply for

Very easy to apply for and not too bad to set up, not needed to speak to anyone as not needed to at present Reviewed on: 17th April 2025

Hadn’t thought about how good it is for me

Hadn’t thought about how good it is for me Reviewed on: 17th April 2025

Family thing

I even got my husband to go with Zopa as well. We’ve also been looking at Zopa for savings accounts. Reviewed on: 17th April 2025

I’ve only spoken to customer service once since havi...

I’ve only spoken to customer service once since having the Zopa card, the agent was very helpful and sorted my issue out. I hade my new card sent out, and received it quickly. Reviewed on: 17th April 2025

Have used there for several years, both with loans a...

Have used there for several years, both with loans and credit cards and never had any issues. Helpful staff whenever I’ve needed to contact them directly Reviewed on: 17th April 2025

Very user friendly app.

Very user friendly app. Customer Service is excellent. Reviewed on: 17th April 2025

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