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)

Great credit card.

Great credit card. Fair limit. Easy to interact with app Reviewed on: 8th January 2024

Best credit card

Excellent customer service , east to use app just brilliant Reviewed on: 8th January 2024

Very easy app understanding and also good and fast r...

Very easy app understanding and also good and fast respond customer service Reviewed on: 8th January 2024

Excellent for everything service good Not difficult...

Excellent for everything service good Not difficult to used Reviewed on: 8th January 2024

Competitive interest rates

This has been an easy process to start using and the interest rates are competitive. Reviewed on: 8th January 2024

Easy app to work and tells me all a need...

Easy app to work and tells me all a need to no Reviewed on: 8th January 2024

Very good at listening and sorting out problems quic...

Very good at listening and sorting out problems quickly Reviewed on: 8th January 2024

Hi have had my Zopa credit card for over a year and...

Hi have had my Zopa credit card for over a year and I have always found it easy to use and run my account from the app . Reviewed on: 8th January 2024

They have been very helpful

They have been very helpful and flexi able with their credit. The app is easy to use. It’s a very simple process and they send updates with statements Reviewed on: 8th January 2024

Fast Payment and Great App

Credit card rates are not bad but the thing I love the most is the fast payment when you pay your credit card bill, it’s instant and the app is user friendly Reviewed on: 8th 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 Yonder 4.85 from 952 reviews
123 credit card (discontinued)
from Santander 4.18 from 162 reviews
Classic Extra Card (discontinued)
from Capital One 4.08 from 6 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