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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)

Very good service

Always willing to help and will listen to any problem and come up with resolutions Reviewed on: 11th April 2023

easy

very easy to sign up also easy app. all working good. happy to have this card Reviewed on: 11th April 2023

Easy and quick application

Great app and quick and easy application process Reviewed on: 11th April 2023

Best thing I did getting the card

It’s the best thing I did getting the credit card when it’s used your notified right away and the app is straight forward Reviewed on: 11th April 2023

Zopa credit card awesome

So easy to apply for app is brilliant and so easy to navigate they also show u how to improve your credit score and offer u loans if u need all round great experience Reviewed on: 11th April 2023

Best for improve your credit score

Very easy to use and help you improve your score interest rate is reasonable. Reviewed on: 11th April 2023

Fantastic easy to use app

I transfered a balance onto my new zopa card and was able to shut down two other credit cards, in addition i also was offered a great credit limit should i need to utuliss it. Thank you team zopa. Reviewed on: 11th April 2023

Zopa credit card is a low-fee credit card that offers competitive cashback rewards and flexible payment options. It is a good option for those looking for a simple and affordable credit card.

"I recently applied for and received a Zopa credit card and I couldn't be happier with the experience. The application process was smooth and easy, and I received a decision within minutes. The card itself has great benefits, such as cashback on purchases and no foreign transaction fees. The online portal is user-friendly and allows me to easily manage my account and payments. I also appreciate the security features, such as the ability to freeze my card if lost or stolen. Overall, I highly recommend the Zopa credit card for anyone looking for a reliable and rewarding credit card option." Reviewed on: 11th April 2023

Credit card cost and quality

Reasonable interest rates and clear and straightforward guidelines Reviewed on: 11th April 2023

Best credit card provider

Zopa are great at Lee you updated on your current credit status & will not upgrade the amount until they think you are ready Reviewed on: 11th April 2023

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