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)

Easy Peasy

Everything about Zopa has been really east. The application, set-up and app are very smooth. One of the better credit card options out there. Reviewed on: 11th April 2023

CREDIT CARD

EASY TO APPLY, GREAT MOBILE APP, HELPFUL, FRIENDLY STAFF AVAILABLE, IF NEEDED. Reviewed on: 11th April 2023

Spot on

Never had any problems very easy no complaints at all good app have recommended to family Reviewed on: 11th April 2023

Excellent card

Amazing card great customer service and easy to use Reviewed on: 11th April 2023

The best financial provider

Easy to apply, user friendly app, my one query was dealt with quickly professionally, friendly, what an amazing combination. This financial provider needs a knowledging for quality service Reviewed on: 11th April 2023

The chance

I have been struggling with bad credit for a number years due to a bad marriage. Trying to get a credit card to start building my score again was almost impossible. Then after a long time of rejection zopa give that chance to start rebuilding my credit and be more incharge of my financial situation. Thanks zopa Reviewed on: 11th April 2023

Great for building credit ratings

Great credit card with no hidden fees good customer support Reviewed on: 11th April 2023

Fantastic

Smooth as silk transactions through the app, can not recommend them enough. Reviewed on: 11th April 2023

Very easy and helpful staff

Very easy to follow the app and very quick response back to customers. Reviewed on: 11th April 2023

Great help

Your help line is always willing to go the extra mile to resolve any issues we are having 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

Everyday credit cards
from Lloyds Bank 4.05 from 68 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
123 credit card (discontinued)
from Santander 4.18 from 162 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