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Zopa: Credit card 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
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Gary Keaney's avatar
Gary Keaney

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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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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Zopa Credit card reviews (44347)

Best credit card

5
Very easy and simple to manage your account Reviewed on: 12th April 2023
Samuel Darko 's avatar
Samuel Darko

Best credit card

5
Very easy to use the app, and when I applied for a credit card Zopa gave me the best offer. Reviewed on: 12th April 2023
Ferenc's avatar
Ferenc

Best credit card

5
This card is one of the best I have used and customer service is brilliant. Never had a problem during it Reviewed on: 12th April 2023
nassar ahmed's avatar
nassar ahmed

Not valued customer

1
I used my zopa credit card to buy tickets which I never received on time to use. When I informed zopa about it. They didn't help me. I don't feel protected with zopa, I'll stop using them Reviewed on: 12th April 2023
Mohammed Kalam's avatar
Mohammed Kalam

Happy customer

5
Very easy to do application form. Quick decision and received card within the time frame they gave. The app makes it so much easier to track your usage and make payments towards your credit card. This was my first ever credit card and I am very happy with my experience. Reviewed on: 12th April 2023
Clarissa's avatar
Clarissa

does what it says

4
I got this card at the said rate there were no hidden surprises and app easy to navigate. Reviewed on: 12th April 2023
A. Morrison's avatar
A. Morrison

Easy to manage

5
Zopa are great; right from the app that tells you everything you need to know, including how likely you are to get further credit with them. They make having a credit card simple and stress free, I'm never worried that there are unexpected charges. Reviewed on: 12th April 2023
Gary Madden's avatar
Gary Madden

Easy Credit Card

5
Zopa credit card was quite easy for me to access, They've also got a good rate as well as providing excellent customer service which includes financial advisory. Reviewed on: 12th April 2023
Akinwale Fademi's avatar
Akinwale Fademi

Yopa - Credit Card

5
My credit was low due to a mistake made by another company. Zopa were the only company to accept me for a credit card again which massively helped my credit score. Their app is very easy to use. They also have a chat box on the app, I have only had to use this twice, I was very please how quick my reply was. Overall a great company. Reviewed on: 12th April 2023
Samm's avatar
Samm

Brilliant and simple

5
The thing about Zopa that differentiates it from the rest is the app. Its clear, uncluttered, tells you what you need to know and is intuitive. With a handy reminder before statement time, it's just the best one I've used. Reviewed on: 12th April 2023
Kevin Fearon's avatar
Kevin Fearon

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