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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)

Excellent Credit card service

Offered the best possible credit limit at the time compared to other high named credit companies and are reliable when needing information support Reviewed on: 11th April 2023

Easy app and good service

The app is very user friendly and the email and txt reminders are brilliant for reminding you to pay on time Reviewed on: 11th April 2023

Amazing company

Absolutely brilliant Really good Reviewed on: 11th April 2023

Best Credit Card Ever

As someone who has been using the Zopa Credit Card for a while now, I must say that it has been an incredibly handy financial tool to have in my wallet. With its low APR, it has helped me manage my expenses efficiently and save money in the process. One of the standout features of the Zopa Credit Card is its low APR. With a competitive interest rate, I have found it to be one of the most cost-effective credit cards available. This has allowed me to make purchases without having to worry about exorbitant interest charges adding up over time. It has also given me peace of mind knowing that I am not getting burdened with high interest rates on my outstanding balances. Another aspect that I appreciate about the Zopa Credit Card is its flexibility. It offers a generous credit limit that has come in handy for unexpected expenses or emergencies. The ability to manage my credit limit and payments online has been convenient and user-friendly, making it easy for me to keep track of my spending and stay on top of my payments. The Zopa Credit Card also comes with additional benefits such as cashback rewards and no foreign transaction fees, which have been an added advantage for me. I have earned cashback on my everyday purchases, allowing me to save even more money in the long run. The absence of foreign transaction fees has also been beneficial for my travels, as I don't have to worry about incurring additional charges when making purchases abroad. The customer service from Zopa has been excellent as well. The support team has been responsive and helpful whenever I had any questions or needed assistance with my account. This level of service has made my experience with the Zopa Credit Card even more positive. In conclusion, I highly recommend the Zopa Credit Card for anyone seeking a low APR option that is reliable, flexible, and comes with additional benefits. It has been a handy financial tool for me, helping me manage my expenses efficiently, save money, and enjoy the convenience of a credit card with excellent customer service. Reviewed on: 11th April 2023

Outstanding in every way!

Not only is the credit card easy to set up, manage and utilise. The rates are great, and the customer service is outstanding! A really great company and I highly recommend. Reviewed on: 11th April 2023

Great Decision Made

This was a decision I didn't make lightly but am so glad I did. Easy to use, and good options to choose from. Reviewed on: 11th April 2023

Excellent credit card

An excellent credit card that i find works for me easy to read and understand statements, easily to contact and deal with Reviewed on: 11th April 2023

Good credit card

Zopa credit card is good for everyone who is need of extra money. No hidden fees and good interest rates. Reviewed on: 11th April 2023

Credit card

Fantastic service,made my life a lot simpler with the card they provided me at fantastic rates,highly recommend to anyone looking for a credit card Reviewed on: 11th April 2023

Good card to have

App very easy to use communication good letting you know when payment is due and also promise to pay you are struggling Reviewed on: 11th April 2023

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