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)

I haven’t had the best credit report but Zopa still...

I haven’t had the best credit report but Zopa still gave me a credit card to. Use and improve my credit score Reviewed on: 10th January 2024

Fantastic service

Easy and quick application process fair credit given based on credit score. Reviewed on: 10th January 2024

Great efficient service.

Great efficient service. Fantastic service that does what it says. Reviewed on: 10th January 2024

Very easy app to use to manage your account and card.

Very easy app to use to manage your account and card. Good features for building your credit and understanding your financial situation. Easy to communicate with and enjoyable to use. Reviewed on: 10th January 2024

Fast and efficient responses

Fast and efficient response. Excellent customer service great and easy to use app and a great range of products on offer at good rates. Reviewed on: 10th January 2024

Excellent, Customer, Care, and very easy operation o...

Excellent, Customer, Care, and very easy operation of website.Great communications and easily navigational system Reviewed on: 10th January 2024

Superb company

Absolutely fantastic easy to use app credit limit is great and there support is fantastic Reviewed on: 10th January 2024

Probably the best credit card experience to date!

I have appreciated the service and the app is fantastic. They also give you further insights as to your credit usage and how to make improvements. Reviewed on: 10th January 2024

User friendly app.

User friendly app. Secure. Good money advice Reviewed on: 10th January 2024

I have used Zopa for Finance on 2 cars and now have...

I have used Zopa for Finance on 2 cars and now have there Credit card have never had any problems customer service is 10/10 gad passed on my experiences to friends 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 card (discontinued)
from Tandem 4.65 from 358 reviews
123 credit card (discontinued)
from Santander 4.18 from 162 reviews
Purchase Credit Card
from Bank of Scotland 4.20 from 10 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