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)

Simplicity and professionalism

Excellent product.. so simple and great customer service! Reviewed on: 11th April 2023

Easy quick application

The application was fast and easy. The card came quickly. Reviewed on: 11th April 2023

Brilliant credit card

Zopa is an excellent credit card to improve your credit rating. Reviewed on: 11th April 2023

Very gd

This is a very gd company very helpful Reviewed on: 11th April 2023

Not bad

Not a bad card would recommend Reviewed on: 11th April 2023

Easiest credit I have had

Everything from the application process to getting the money has been such a smooth process. The app is brilliant and the communication from Zopa is outstanding. You constantly receive updates on your borrowing power and tips on how to improve your credit score. A super company that I would recommend to anyone! Reviewed on: 11th April 2023

Credit

I lost my cards shortly after recieving it, I rang customer service and they was nothing but reassuring and assisted me with a new card. Excellent service! Reviewed on: 11th April 2023

Satisfied with the service so far

Quick and easy application. The card was delivered quicker than expected and the rate is fair and they not quick to penalise you for missing a payment they just inform you of a rescheduled date they will collect the payment from your account. Reviewed on: 11th April 2023

Good card

It was quick and easy but thorough Reviewed on: 11th April 2023

Great APP. Easy to keep in control of your balance and finances

I applied for a Zopa Credit Card to financially get me through a short period of time after an illness. I pay my full balance back each month and find I can mange my money easily using the APP which is easy to log into, use and understand. A great helpful product for customers who may not have the best credit score and just needs someone to give them a hand and a bit of trust. 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 (discontinued)
from Tandem 4.65 from 358 reviews
Nectar Credit Card
from Sainsburys Bank 3.63 from 97 reviews
Flexicard
from Halifax 3.70 from 7 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