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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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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

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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.

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

Excellent credit card fantastic Apr

Excellent credit card fantastic Apr Reviewed on: 9th April 2024

I have a credit card and car finance with Zopa the c...

I have a credit card and car finance with Zopa the customer service was impeccable from start to finish with all questions answered professionally and easily understood, can’t recommend this company more they have given me the best interest rates available to my credit score than anyone else offered on both accounts Reviewed on: 9th April 2024

Very good Zopa credit card I very happy

Very good Zopa credit card I very happy Reviewed on: 9th April 2024

Fantastic Company

After being accepted for my Zopa credit card, I found the app very simple to navigate. I love that I gey a notification every time I use my card. I like that I am informed promptly of any changes or increased credit offered. Great company and customer service. I would highly recommend. Reviewed on: 9th April 2024

Credit card vote

First class service from start to finish Reviewed on: 9th April 2024

Took me to a safer place!

Took me to a safer place! ZOPA showed me a route to manage my money, the way of the smart people. 0% balance transfer in good hands, helps me manage my finances the smart way! Reviewed on: 9th April 2024

When I needed it Zopa were there where others weren’t.

When I needed it Zopa were there where others weren’t. Zopa has been with me for the past few years without them trying to push further products upon me. Reviewed on: 9th April 2024

Zopa gave me credit and trusted me when no others wo...

Zopa gave me credit and trusted me when no others would and it’s also helped me build my credit score back up. Would 100% recommend this company to anyone. Reviewed on: 9th April 2024

Experience of zopa is brilliant everything they've d...

Experience of zopa is brilliant everything they've done had been swift and fantastically executed Reviewed on: 9th April 2024

Excellent card and advisory alongside it.

Excellent card and advisory alongside it. Reviewed on: 9th April 2024

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