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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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 (44348)

Excellent company

I have had my credit card for around a year and I have nothing but praise. This company actively tells you how to improve your credit score and tells you what you can do. The website is easy to follow and the interest rate is excellent. Would not hesitate to recommend. Reviewed on: 11th April 2023

Highly Recommended! Overall Great Credit Card

It has an user friendly app from purchases to payments. Not only that, it so convenient to apply and would also help you keep track of your financial updates. Zopa keeps you up to date within seconds. It has a reasonable credit limit and APR for a person with less than perfect credit score. I believe that this credit card will help me build my credit up for the future. My credit limit has increased since I was paying my dues on time. I have had Zopa for nearly a year now and haven't had any issues with it so I didnt even had to contact the customer services, it's so convenient to use. Reviewed on: 11th April 2023

First class

Quick no hassle easy to use easy to pay builds credit score Reviewed on: 11th April 2023

Best credit card

So easy to use with the zopa app Reviewed on: 11th April 2023

Zopa

Lovely credit card company has helped me a lot Reviewed on: 11th April 2023

Excellent product

Very quick response easy to use on line account. Would recommend it Reviewed on: 11th April 2023

Easy going

It great to be with zopa . Helpful company Reviewed on: 11th April 2023

Great Service

Never had any problems. When I've asked question they're very helpful and reassuring Reviewed on: 11th April 2023

Credit Card

Easy to use app which keeps you informed at the touch of a button. Reviewed on: 11th April 2023

Amazing

Very good service and amazing company as well Reviewed on: 11th April 2023

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