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 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 (44348)

Review of the Zopa, Credit card:

Friendly reliable

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

Pleasure dealing with Zopa customer service team

Pleasure dealing with Zopa customer service team Reviewed on: 11th March 2024

Always good always very helpful communication is bri...

Always good always very helpful communication is brilliant Reviewed on: 11th March 2024

Zopa is good and excellent .

Zopa is good and excellent . Considerate and the app easy to access Reviewed on: 11th March 2024

Good credit company

Good card, account easy to manage online. Great other products to have too with zopa. Reviewed on: 11th March 2024

Their onboarding process didn't work correctly,.

Their onboarding process didn't work correctly,.they ended up taking my direct debit the day before it was due so the due date was missed meaning I got a fee and credit mark against me. They don't understand how it happened and have been useless in fixing the issue Reviewed on: 11th March 2024

Very efficient and helpful.

Very efficient and helpful. Was used for a holiday and was easy to control spending Reviewed on: 11th March 2024

Very simple to apply, immediate acceptance and sensi...

Very simple to apply, immediate acceptance and sensible credit limit applied Reviewed on: 11th March 2024

Never had no problems easy to use

Never had no problems easy to use Reviewed on: 11th March 2024

Service has been spot on

Service as been great. No issues Reviewed on: 11th March 2024

Everything you need to pay for anything anytime perf...

Everything you need to pay for anything anytime perfect Reviewed on: 10th March 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

Credit card
from ASDA Money 3.02 from 109 reviews
Credit card
from Nationwide 4.18 from 223 reviews
Credit cards
from Virgin Money 3.82 from 813 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