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

I have been using Zopa to build my credit rating and...

I have been using Zopa to build my credit rating and to also suplimement my income when I need to make some purchase in advance. The rates are reasonable and the charges are not exploitative. Reviewed on: 10th April 2024

Very good company to have a credit card

Very good they just give me more credit, interest is not high like other credit cards companies Reviewed on: 10th April 2024

Credit card

In my opinion, the best credit card I have ever used Reviewed on: 10th April 2024

Brilliant credit card.

Great credit card /builder, got the app, is really easy to check your account /balance and to make payments. Any queries customers service is there on live chat or over the phone. Reviewed on: 10th April 2024

5 starservice..

Easy to apply for a credit card and the zopa app is so easy to use Reviewed on: 10th April 2024

Great. Experience all round

Great. Easy and most helpful. Well informed. Reviewed on: 10th April 2024

There the best

They are the best company to deal with Reviewed on: 10th April 2024

Very easy to use the App.

Very easy to use the App. Clear and honest charges. Good at keeping customers up to date on spending. Reviewed on: 10th April 2024

Is very good card to build the credit score

Is very good card to build the credit score Reviewed on: 10th April 2024

Excellent service

I have never ever had any problems with Zupa , excellent service Reviewed on: 10th 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

Everyday Credit Card
from Santander 4.17 from 25 reviews
Credit card
from Vanquis 4.38 from 598 reviews
Nectar Credit Card
from Sainsburys Bank 3.63 from 97 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