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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)

Set Up and Go

Zopa offer well thought out approach to finances, be it a credit card or loan. The app is easy to set up and use and the notifications and information available are helpful and delivered in non invasive and appropriate ways. Reviewed on: 11th April 2023

Best Company i have come across

As a Zopa credit card holder, I can confidently say that this company has exceeded my expectations in terms of both value and service. From the moment I signed up, I was impressed by the competitive interest rates offered by Zopa, which have allowed me to save a significant amount of money on interest charges compared to my previous credit card company. Reviewed on: 11th April 2023

Easy apply and decent interest rate

Since I’ve had this card my credit score has climbed. It’s been easy to stick to payments. The app is easy to use and I was preapproved for the card with Clearscore before applying. Reviewed on: 11th April 2023

The Best in all.

I found it the best in my all available options. Can’t be thankful enough. Reviewed on: 11th April 2023

Issues what issues?

Seriously no issues using this card plus they have a cushion balance that you can set so you only use it when you need to. Not sure any other card offers this so well done Zopa Reviewed on: 11th April 2023

Brilliant Zopa!

When others had no faith Zopa was my Angel. Thank you for helping me smile again. Reviewed on: 11th April 2023

Hassle free service

Glad I chose Zopa credit card service. Proactive company that alerts you to all benefits as they appear. I’ve been reluctant to use credit cards due to the false advertisement but am Happy to say Zopa does what it says on the tin. Happy customer Reviewed on: 11th April 2023

CreditCard of the year.

A very efficient and friendly credit card provider who I would absolutely recommend to friends and family. I have not found any faults with the company and I am thoroughly enjoying the service provided. Reviewed on: 11th April 2023

Very easy to deal with and manageable limits

All interaction has been via the app and I have never had any issues. Very straight forward to use. All you need is at your fingertips. Very realistic limits set. Very happy with this company Reviewed on: 11th April 2023

Great and simple

Clear and transparent app. Very easy to use no problems customer service great very happy with product. Reviewed on: 11th April 2023

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