Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

View other Zopa products

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

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 (44348)

Reliable creditors

Good creditors. App is easy to access and use. Reviewed on: 11th April 2023

Simply the best

I didn’t think I’d get a credit card but was successful and the app is brilliant also very easy to use Reviewed on: 11th April 2023

Easy to use

Great app and easy to use and make payments. Love that you can see the Payments coming off your total straight away. Reviewed on: 11th April 2023

MR FAHAD SHARIF

Nice card i love it i use it for my shoping and pay my home bili and use for pay my rent Reviewed on: 11th April 2023

Great bank

Easy to use and set up, good communication Reviewed on: 11th April 2023

Fine but cant transfer balances from Zopa to other provider

The app isn’t very intuitive and when my balance transfer promotional period was over, I wanted to transfer my Zopa balance remaining to another provider to take their offer. The attempt kept failing and I was told by Zopa via their online chat that they can’t accept balance transfers which was confusing to say the least as I opened the account via Balance transfer Anyway, it’s fine but that limitation means it’s low down on the list of credit card providers Reviewed on: 11th April 2023

Great service

Simple to use easy to apply App easy to use Reviewed on: 11th April 2023

Excellent product

Brilliant credit card,useage set up feedback and app is simple and easy to use would recommend this to everyone Reviewed on: 11th April 2023

Begin the new path

My credit history was bad but still Zopa take risk and give me a chance to build new credit platform so I highly recommend Reviewed on: 11th April 2023

Fantastic company with great service

Unreal company they are brilliant Reviewed on: 11th 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

Credit Card
from Ocean Finance 3.94 from 21 reviews
Credit card
from Nationwide 4.18 from 223 reviews
Nectar Credit Card
from Sainsburys Bank 3.63 from 97 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 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