Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

View other Zopa products

4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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 See your 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.

Awards

Best credit card provider 2025

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

Zopa Credit card reviews (44348)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Fantastic Zopa

From the application forms to receiving the card , the whole experience has been fantastic and simple. Reviewed on: 15th January 2025

Easy to use app

The app is easy to use and when you pay or spend it shows up right away, it tells you if you are eligible to apply for other financial products which is helpful Reviewed on: 15th January 2025

Very easy to apply.

Very easy to apply. The rate is understandable. Reviewed on: 15th January 2025

Easy to use - never had a problem

Easy to use - never had a problem Reviewed on: 15th January 2025

I am very happy with my zopa credit card.

I am very happy with my zopa credit card. Reviewed on: 15th January 2025

Found Zopa very easy to deal with from start to fini...

Found Zopa very easy to deal with from start to finish excellent service Reviewed on: 15th January 2025

Applying for the card was easy and repayments are ea...

Applying for the card was easy and repayments are easy via the app would highly recommend zopa to other people Reviewed on: 15th January 2025

Had a poor credit history and in an IVA agreement bu...

Had a poor credit history and in an IVA agreement but Zopa provided me with a start to improve my credit history Reviewed on: 15th January 2025

easy to Navigate

I have found dealing with ZOPA really easy and the online service is easy to navigate which when you are a technophobe is important, the whole experience is just easy and i have found ZOPA to be very convenient for what i need it for. Reviewed on: 15th January 2025

Easy to understand and use.

Easy to understand and use. All communication is straightforward 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

Balance Transfer Credit Card
from Bank of Scotland 4.08 from 13 reviews
Avios Credit Card
from TSB 3.50 from 20 reviews
Credit card (discontinued)
from Wave (inactive) 3.70 from 3 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 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