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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

It's all great as it is, no need for any improvement...

It's all great as it is, no need for any improvement from my point of view. Reviewed on: 6th March 2026

I have never had bad experience with them.

I have never had bad experience with them. Reviewed on: 6th March 2026

Moderate

The card is easy to use through the app, but the APR is quite high. The credit limit offered was also very small compared to other cards Reviewed on: 6th March 2026

Application was quick and easy and dealt with immedi...

Application was quick and easy and dealt with immediately accessible quickly too Reviewed on: 6th March 2026

I have had no issues at all with using the account.

I have had no issues at all with using the account. User friendly just fantastic even for me Reviewed on: 6th March 2026

Very easy and everything has been brilliant from sta...

Very easy and everything has been brilliant from start to finish. Reviewed on: 6th March 2026

Very good experience happy to vote for Zopa all the...

Very good experience happy to vote for Zopa all the staff our happy and willing to help me out Reviewed on: 6th March 2026

Help in time of need Good service and have considera...

Help in time of need Good service and have consideration Reviewed on: 6th March 2026

Excellent experience

My credit card is a game changer — easy payments, great rewards, and complete convenience. Reviewed on: 6th March 2026

Very impressed with Zopa I have all I need in one pl...

Very impressed with Zopa I have all I need in one place Reviewed on: 6th March 2026

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