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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)

Zopa credit card offers not just credit card,you can...

Zopa credit card offers not just credit card,you can get loads of help especially in there app. Reviewed on: 5th March 2024

Cushions are great

I love the credit cushion feature from Zopa. I use the card for credit building and it is just perfect for that. Having the ability to set how much you can spend is ideal and it’s so easy to change if you want to get access to a little bit extra one month. Would definitely recommend. Reviewed on: 5th March 2024

Excellent value for money and good service

Excellent value for money and good service Reviewed on: 5th March 2024

very good experience so friendly to speak to and als...

very good experience so friendly to speak to and also the app is very good Reviewed on: 5th March 2024

I have had some debt issues recently and everyone i...

I have had some debt issues recently and everyone i have spoken to at zopa have been incredibly helpful and amazingly supportive to help me through this difficult time Reviewed on: 5th March 2024

Great service to help transfer balances

Great service to help transfer balances Reviewed on: 5th March 2024

Easy application quick results on approval plus app...

Easy application quick results on approval plus app super easy to use Reviewed on: 5th March 2024

Great card easy repayment good customer service and...

Great card easy repayment good customer service and nice people to talk to Reviewed on: 5th March 2024

Always happy to help you when you contact them nothi...

Always happy to help you when you contact them nothing is a problem Reviewed on: 5th March 2024

Excellent service very quick and efficient

Excellent service very quick and efficient Reviewed on: 5th March 2024

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