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)

My Little Friend

The card has easily repayable limits & is accepted everywhere. Competitive APR makes this my Must Keep credit card. Reviewed on: 11th April 2023

Zopa is amazing

My experience is good with the company Reviewed on: 11th April 2023

Great modern credit card and account

From start to finish my initial Zopa experience was excellent. Easy to apply, card arrived within two days and the fresh app set up was simple to use and navigate. Excellent notifications when the card is used, modern and innovative, Zopa is excellent Reviewed on: 11th April 2023

Brilliant banking experience

I have never had a problem with Zopa. I am kept upto date through email and the app which makes it easier for me to keep track of my banking usage. Their customer service is amazing, very quick and reliable service. Reviewed on: 11th April 2023

Good credit card, helps build credit rating

Have had no problems with this card. The app is easy to use Reviewed on: 11th April 2023

Quick, simple and reliable.

I cannot fault Zopa from application, to making payments and obtaining help when I lost my card, it has all been seamless and hassle free. Reviewed on: 11th April 2023

Great trustworthy and helpful company

Was there when I needed them and has been ever since Reviewed on: 11th April 2023

Super Zopa

Online application easy to follow, quick decision given. Online app is clear and always provides helpful information. I really enjoy using this company and would definitely share my experiences with others Reviewed on: 11th April 2023

Excellent service from the friendly team

The team are very friendly. Most things can be done online with ease. Reviewed on: 11th April 2023

Should be listed from best five credit card providers

I felt zopa is should be listed to the top 5 best credit card providers its just because of the easeness in their service and the app. No hidden charges, reasonabl interest rate, lots and lots of offers for their customers. 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 Zempler Bank 4.83 from 5819 reviews
Credit card
from Luma 4.00 from 2 reviews
Aquis Card
from Vanquis 4.48 from 44 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