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)

best credit card

Zopa is definitely the best credit card. I have had no issues using it and the customer service is so brilliant, always helping where needed and usually going out there way too. I trust them. Reviewed on: 12th April 2023

Excellent

Gave me good options and more money than I needed, especially grateful for the ‘credit cushion’ which assures I never exceed my limit. Reviewed on: 12th April 2023

Fast and friendly

I applied for my zopa credit card, not expecting anything from them,to my amazement, I was accepted, and I had my card in a few days. Çustomer service is very good. I haven't had a single problem with it. I would recommend this, to any of my family or friends. Reviewed on: 12th April 2023

very quick and helpful

the easiest credit card I've ever done ! The app is very helpful and quick to run! Highly recommended Reviewed on: 12th April 2023

Great card for those little extras

Great card for those little extras use it carefully don't abuse it. Pay it off in full each month at no extra costs. Reviewed on: 12th April 2023

Best credit card

I really recommend Zopa credit card. I never had any problems, everything is clearly and easy to understand. The Zopa app works without any issue. Reviewed on: 12th April 2023

Great card great service

Good card fast payments good customer services Reviewed on: 12th April 2023

Zopa Credit Card

Only been with them a couple of months but the app is really user friendly and updates to spend and payments made is swift so always up to date. Reviewed on: 12th April 2023

New to this card

I've only had a zopa credit card a few months and very happy with it Reviewed on: 12th April 2023

Outstanding

This company is simply brilliant, everything is easy, from applying to getting your card. The app they have lets you keep on top of everday spends. Would definitely recommend to all my family and friends. Reviewed on: 12th April 2023

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

Everyday spending credit cards
from Halifax 4.38 from 75 reviews
Hilton Honors Credit Card
from Barclaycard 4.10 from 11 reviews
Initial credit card (discontinued)
from Barclaycard 3.60 from 122 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