Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

Read all reviews Write a review

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44347)

I have had an easy no hassle experience to date.

I have had an easy no hassle experience to date. Easy credit. Reviewed on: 15th January 2025

Zopa app and card

Easy to use app and clear notifications Reviewed on: 15th January 2025

great - thank you - Awesome service

great - thank you - Awesome service Reviewed on: 15th January 2025

Had my a account a few months not had any issues car...

Had my a account a few months not had any issues card application was straight forward. Reviewed on: 15th January 2025

I don’t have good credit but Zopa help me build up m...

I don’t have good credit but Zopa help me build up my credit score Reviewed on: 15th January 2025

Good service, no issues with Zopa.

Good service, no issues with Zopa. Right limit. No more than than that. Up to me Reviewed on: 15th January 2025

So nice, easy to apply for credit card and to use.

So nice, easy to apply for credit card and to use. I am happy to this Reviewed on: 15th January 2025

Great and reliable service

Any questions have been answered quickly and service has been great. Always kept upto date with any news and or changes Reviewed on: 15th January 2025

Increase in spending limits

The good thing about zopa is they dont just randomly add to your credit limit like other companies do therefore easier to keep within limits Reviewed on: 15th January 2025

Great really easy to use

Really good and easy to use really happy with service Reviewed on: 15th January 2025

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Classic Extra Card (discontinued)
from Capital One 4.08 from 6 reviews
Nectar Credit Card
from American Express 3.32 from 14 reviews
Credit Builder
from Chime 0.00 from 0 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub