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)

Credit card

Everything is easy to understand accessing the app is also very easy the customer service is excellent if you need to contact them. All round great service thank you Reviewed on: 11th April 2023

Best credit card for credit score

Best credit card if you want to build up your credit score,they increase your limit if you pay back on time. Reviewed on: 11th April 2023

Great company and app

Really easy to use and see all your details etc. Reviewed on: 11th April 2023

Best credit Card Company

Zopa was so helpful explaining everything in the easiest way, very understanding very friendly they handled my issue with great care and very re-assuring. Fantastic Company Reviewed on: 11th April 2023

Quick and straightforward application.

My application for a credit card was easy and straightforward. I had a quick response and was accepted. The app is also easy to follow with lots of hints and tips to assist you to keep in control of your spending. Reviewed on: 11th April 2023

Quick and easy to set up, great to use, communication is excellent.

It took 10 minutes to set and get going. The App keeps you informed as to where you are and what you have spent. It feels safe and secure because of the security checks when doing a transaction. All in all a great facility Reviewed on: 11th April 2023

Love zopa

Sush a welcome and confident company Reviewed on: 11th April 2023

Easy as 1-2-3

With a handy app that’s simple to navigate, it’s never been easier to keep track of your spending! With added extra features such as financial advice, top tips and credit scoring the Zopa credit card makes my life so much easier! Reviewed on: 11th April 2023

Spectacular.. the best credit.

I stumbled across Zopa credit card, which is what I needed at the time. I applied on line with no hassle. It felt so easy and stress free. No appointment needed to spend hours going over expenditures. All taken from my credit score. Thank you. Reviewed on: 11th April 2023

Highly recommend

Great product, customer service and app! 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 Bank of China (UK) 4.12 from 2 reviews
Charge Card
from American Express 4.20 from 24 reviews
Credit card
from Chase Bank 4.81 from 383 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