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)

Helped me out when I was on my arse n...

Helped me out when I was on my arse n payments are easy Reviewed on: 10th January 2024

I have had no problems with my zopa credit card easy...

I have had no problems with my zopa credit card easy to use and easy to pay your monthly payments I would have no problems recommending zopa keep up the good work Reviewed on: 10th January 2024

Brilliant card still awaiting a increase on what I c...

Brilliant card still awaiting a increase on what I can spend monthly... Hint hint. Lol no seriously if u pay in full everymonth like me it's a brilliant card Reviewed on: 10th January 2024

Zopa has helped me out at every turn!

Zopa has helped me out at every turn from payment details to understanding my credit score to learning about paying things down to prevent incurring more interest it really does help. Reviewed on: 10th January 2024

The Zopa Credit card is the best because the interes...

The Zopa Credit card is the best because the interest rates is very low and am very happy that I'm using their credit card. Reviewed on: 10th January 2024

Easy to use app.

Easy to use app. Everything you need is on there Reviewed on: 10th January 2024

Every time I've had to contact the service has been...

Every time I've had to contact the service has been efficient, courteous and quick. Reviewed on: 10th January 2024

Application was easy account opened immediately and...

Application was easy account opened immediately and able to use. Communication clear and concise and the app is great for checking balance and making payments. Reviewed on: 10th January 2024

Easy to use no fuss easy to repay on line

Easy to use no fuss easy to repay on line Reviewed on: 10th January 2024

Everything is so clear.

Everything is so clear. No hidden extras. 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

Avios Rewards Credit Card
from Lloyds Bank 4.16 from 60 reviews
Zero Credit Card
from Santander 4.25 from 21 reviews
Choice Rewards Credit Card
from Lloyds Bank 4.17 from 14 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 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