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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.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

good app

Great company great service good app and customer service I would recommend you Reviewed on: 5th March 2024

The Best credit card that i used until now

The Best credit card that i used until now Reviewed on: 5th March 2024

Very user friendly as it is really easy to use and m...

Very user friendly as it is really easy to use and manage on the app Reviewed on: 5th March 2024

Great from day one....

As a satisfied customer of Zopa, I can confidently say that their credit card has truly exceeded my expectations. From the moment I received my sleek, minimalist-designed card, I knew I was in for a seamless and rewarding credit experience. One of the standout features of the Zopa credit card is its transparent and fair approach to fees and interest rates. Unlike many other credit cards that bury customers in hidden charges, Zopa lays everything out clearly, allowing me to manage my finances with confidence and ease. The absence of annual fees and foreign transaction fees is a breath of fresh air in the credit card market. Another aspect that sets Zopa apart is its commitment to responsible lending. With personalized credit limits and real-time spending notifications, I feel empowered to stay on top of my finances and make informed decisions about my spending habits. Zopa's dedication to financial education through their app and online resources further reinforces their commitment to helping customers achieve their financial goals. Furthermore, Zopa's rewards program adds an extra layer of excitement to using their credit card. Whether it's cashback on everyday purchases or exclusive discounts with partner merchants, I love knowing that I'm getting rewarded for simply using my card for everyday expenses. Moreover, the customer service provided by Zopa is exceptional. Whenever I've had a question or concern, their friendly and knowledgeable support team has been readily available to assist me, making me feel valued as a customer. In conclusion, the Zopa credit card has been a game-changer for me. With its transparent fees, responsible lending practices, rewarding perks, and top-notch customer service, it has truly elevated my credit experience. I wholeheartedly recommend the Zopa credit card to anyone looking for a reliable and rewarding financial partner. Reviewed on: 5th March 2024

Affordable payment plan with a good credit limit

Affordable payment plan with a good credit limit Reviewed on: 5th March 2024

It's a excellent service that they provide

It's a excellent service that they provide Reviewed on: 5th March 2024

Great app, great card.

Great app, great card. Keeps you well up to date Reviewed on: 5th March 2024

Great provider, fantastic application everything is...

Great provider, fantastic application everything is clear. Highly recommend card and company. . Reviewed on: 5th March 2024

All rounders

Good app. Easy ways to pay. The company keep you regularly updated and at the same time they don’t pester you with unwanted emails. What more would one want. Reviewed on: 5th March 2024

Excellent card great app

Very easy to see what you have spent Reviewed on: 5th March 2024

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