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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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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

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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.

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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)

Credit card - quick

Quickly revived my decision and credit card within a couple of days Reviewed on: 16th June 2023

Simple, intuitive and quick

Applied online via ClearScore for a credit card. Very easy process, even quicker decision response. Just waiting on my new card now. Have also downloaded the Zopa app which is great too. Reviewed on: 14th June 2023

Love Zopa

Fast application, easy app to navigate and friendly customer service. Reviewed on: 8th June 2023

Such a help

Being able to transfer debt to one place and use a credit card with zero interest to start them fair interest is such a relief win these hard times Reviewed on: 7th June 2023

Easy app

Enjoy ZOPA credit card so much. App easy to use and good interest rate!!! Reviewed on: 7th June 2023

Simple, Straightforward and great service.

Great service and excellent app, really nothing to fault. Reviewed on: 2nd June 2023

Excellent no-frills credit card for use abroad

I’ve used the Zopa credit card on my travels through Europe, the Middle East and India, and have always found it to be a reliable and easy way to pay without incurring any of those annoying overseas transaction fees. On the one occasion that I needed advice the online chat service was very prompt with the response. Overall I’m very happy with the card and can highly recommend it if you travel and don’t like wasting money on fees. Reviewed on: 1st June 2023

Easy to use with great savings

This product is clear cut, very easy to use and has several easy to use acing accounts with lock pots. Reviewed on: 1st June 2023

Could do better

Helpful with those with poor credit rating but could do better. If individuals are already in a poor position financially stop penalising with higher APR' and exorbitant interest rates Reviewed on: 1st June 2023

Always on hand

Since applying for, and being accepted for the Zopa Credit Card I've been very impressed with the organisation who are Always on Hand to assist me in anyway needed. Reviewed on: 1st June 2023

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