Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

No problems to deal with swift service when card was...

No problems to deal with swift service when card was lost Reviewed on: 10th January 2024

A good company that help you and watch how you manag...

A good company that help you and watch how you manage your soending Reviewed on: 10th January 2024

The Credit card that you understand

For people that need help rebuilding their credit history look no further than Zopa, it’s really helped me and is very easy to understand and keeps you in control Reviewed on: 10th January 2024

Great customer service.

Very straightforward and great customer service. Always quick updates on spending. I would recommend Zopa. Reviewed on: 10th January 2024

Good card, good app and easy transaction use

Good card, good app and easy transaction use Reviewed on: 10th January 2024

Never had any problems with zopa or using my card...

Never had any problems with zopa or using my card Reviewed on: 10th January 2024

Excellent credit card

I find Zopa credit card excellent as I have complete control and you can put your own limit within your limit so you don’t over spend ,I absolutely love this credit card Reviewed on: 10th January 2024

Zopa is one of the very best credit card authorisati...

Zopa is one of the very best credit card authorisation companies out there. They'll do anything to help you get approved for the credit card that works for you regardless of bad credit score. When a lot of companies rejected to approve a credit card for me in times of needy Zopa accepted me and went ahead defying bad credit to issue me with a credit card and most importantly a good interest rate too. I really appreciate their services in this respect. In times of financial difficulties or bad credit is the right time people need credit car to ease the Financial difficulties there're burden with. I'm really grateful to Zopa credit card team's help and support. Reviewed on: 10th January 2024

This is a very good credit card to have in your posi...

This is a very good credit card to have in your position. Reviewed on: 10th January 2024

Very easy to us and with the app easy to...

Very easy to us and with the app easy to keep track of 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
from Allied Irish Bank - AIB 4.11 from 6 reviews
Classic Credit Card
from Bank of Ireland 4.09 from 6 reviews
Gold Credit Card
from American Express 4.51 from 25 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