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

in general a good experience

In general, utilising this open credit card proved to be a positive encounter. They offer a variety of optional features that consider your financial means and evaluate your credit to give you a complete picture of your finances. The app interface is user-friendly and functions smoothly, resulting in a satisfying experience. Reviewed on: 14th April 2024

Really easy to use.

Really easy to use, app does exactly what you would expect it to. Credit cushion is a great feature. Reviewed on: 14th April 2024

Outstanding Supporting Service, always simple & easy...

Outstanding Supporting Service, always simple & easy, very responsive service when required Reviewed on: 13th April 2024

It's great I have used for over year good experience...

It's great I have used for over year good experience Reviewed on: 13th April 2024

They are an amazing company and have a great knowled...

They are an amazing company and have a great knowledge base and I’m very happy with there service and pleased I chose them Reviewed on: 13th April 2024

Credit card is good i like becouse have interest...

Credit card is good i like becouse have interest smoll Reviewed on: 13th April 2024

Never had any problems can't fault you

Never had any problems can't fault you Reviewed on: 13th April 2024

Easy process to get a credit card.

Easy process to get a credit card. Reviewed on: 13th April 2024

Having a Zopa credit card as been excellent for me t...

Having a Zopa credit card as been excellent for me to build my credit rating and the app is excellent and easy to use . And great communication to Reviewed on: 13th April 2024

I never expected to get approved

I never expected to get approved and 4 yrs in I'm doing great and my credit limited has increased.. Reviewed on: 12th April 2024

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

Nectar Credit Card
from Sainsburys Bank 3.63 from 97 reviews
Classic Credit Card
from Capital One 4.17 from 300 reviews
Credit card
from Zable 4.82 from 118470 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