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 credit card provider 2025

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

Zopa Credit card reviews (44348)

Very easy very professional can’t ask for anything e...

Very easy very professional can’t ask for anything else Reviewed on: 6th March 2026

Good credit card

Easy to apply and fast approval and this was a good thing for me because this credit card really helped me. Reviewed on: 6th March 2026

Easy to use,no payment issues,the credit card app is...

Easy to use,no payment issues,the credit card app is easy to navigate as well. Reviewed on: 6th March 2026

The Zopa Credit Card is a modern and straightforward...

The Zopa Credit Card is a modern and straightforward option for people in the UK who want better control over their finances. Through the Zopa mobile app, users can easily track spending, manage payments, and monitor their credit score in real time. One of the key benefits is its competitive interest rates compared to many traditional credit cards. Recently, the card also became available on Apple Pay, allowing users to make fast and secure contactless payments using their iPhone or Apple Watch. While it doesn’t focus heavily on rewards or cashback, it’s a great choice for simple and responsible credit management. Reviewed on: 6th March 2026

I'm very happy very nice and very good service

I'm very happy very nice and very good service Reviewed on: 6th March 2026

I HAVE BEEN WITH ZOPA FOR A FEW YEARS NOW BUT IVE NO...

I HAVE BEEN WITH ZOPA FOR A FEW YEARS NOW BUT IVE NOT HAD A CREDIT INCCREASE EVEN THOUGH I HAVE WITH OTHER ACCOUNTS AND THEY CONSTANTLY GIVE ME A LOW CREDIT SCORE WHEN I ACTUALLY HAVE A GOOD CREDIT SCORE WITH EQUIFAX Reviewed on: 6th March 2026

Great customer is excellent

Great customer is excellent and they are always there if you need to speak to a colleague. Their is fantastic you can see everything on it Reviewed on: 6th March 2026

Great and easy app to use.

Great and easy app to use. Need more startups like Zopa in the market. Reviewed on: 6th March 2026

Easy to use app

Easy to use app, from start to finish the experience seems aimed towards the end user Reviewed on: 6th March 2026

I have several accounts with Zopa, including credit...

I have several accounts with Zopa, including credit card, I have always found their service to be second to none, and they keep you informed about the important matters. Reviewed on: 6th March 2026

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

Avios Rewards Credit Card
from Lloyds Bank 4.16 from 60 reviews
Marbles Credit Card
from NewDay 4.31 from 542 reviews
Clubcard credit cards
from Tesco Bank 4.04 from 343 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