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 Write a 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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Easy to apply and percentage not too high

Easy to apply and percentage not too high Reviewed on: 10th January 2024

The app is easy to use and self explanatory.

The app is easy to use and self explanatory. Reviewed on: 10th January 2024

Excellent

Its been really good, Zopa accepted me for a credit card, it was easy to apply for and set up Reviewed on: 10th January 2024

Love my zopa

Easy application process , great app and great service Reviewed on: 10th January 2024

Best one gives great service easy to use app means y...

Best one gives great service easy to use app means you have full control over your finances Reviewed on: 10th January 2024

Easy to apply for a card with zopa and the rate the...

Easy to apply for a card with zopa and the rate they charge is excellent compared to other lenders and with zopa you know as and when your payment due date is to to me this is the best card to have so if your looking for a honest credit card choose zopa for it you won't be disappointed either so come on give them ago now for your next card Reviewed on: 10th January 2024

I had my card now for a couple of years and find it...

I had my card now for a couple of years and find it very useful for emergencies. Reviewed on: 10th January 2024

One of the best credit cards I have ever had

One of the best credit cards I have ever had Reviewed on: 10th January 2024

Have NEVER had any BAD ISSUES with Zopa, in fact ANY...

Have NEVER had any BAD ISSUES with Zopa, in fact ANY QUESTIONS I may have had they have been dealt with expertly and with great expedience. Reviewed on: 10th January 2024

Brilliant service

Easy application, quick service and great communication Reviewed on: 10th January 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 Builder
from Chime 0.00 from 0 reviews
Clarity credit card
from Halifax 3.60 from 271 reviews
123 credit card (discontinued)
from Santander 4.18 from 162 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