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

Easy to use app.

Easy to use app. Payments to my account are taken off of my balance instantly. Reviewed on: 5th March 2024

Clear communication

Clear communication and no hidden charges, always keeping me informed of any changes and any new offers. Reviewed on: 5th March 2024

I always enjoy spending it and easy pay back

I always enjoy spending it and easy pay back Reviewed on: 5th March 2024

Very helpful and friendly staff available at conveni...

Very helpful and friendly staff available at convenient times Reviewed on: 5th March 2024

Very quick to answer any questions very reliable and...

Very quick to answer any questions very reliable and nod interest rates Reviewed on: 5th March 2024

Zopa have a very easy app and helpful credit card.

Zopa have a very easy app and helpful credit card. Reviewed on: 5th March 2024

Zopa believes in me as my credit hasn’t been good in...

Zopa believes in me as my credit hasn’t been good in the past through no fault of my own and Zopa have trusted me to be responsible which I have Reviewed on: 5th March 2024

Excellent experience with zopa credit card

Excellent experience with zopa credit card Reviewed on: 5th March 2024

Very helpful.

Very helpful..was able to get goods Reviewed on: 5th March 2024

Quick and easy excellent service

Quick and easy excellent service Reviewed on: 5th 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

Platinum Credit Card
from Lloyds Bank 4.23 from 57 reviews
Credit card
from The Co-operative Bank 3.83 from 36 reviews
Credit Builder
from Chime 0.00 from 0 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