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)

Very good credit company that can be trusted

Very good credit company that can be trusted. I will recommend family and friends. Reviewed on: 11th April 2023

Great rates

Helped me grow my credit score while managing my credit limit Reviewed on: 11th April 2023

Gives the other .peolpe a chance

I have always been ervous of credit cards as I did t really understand how they work , zopa staff took time to explain. Genuinely look to resolve any issue, and the support site is amazing . Ery easy we site to navigate . And at no.poi t did I feel it was just about the sale . I have recommended to family & friends . I trust zopa staff and that makes all the difference whe your dealing with money 12/10 great service Reviewed on: 11th April 2023

Best Credit Card in the market

Zopa offers the best interest rates in the credit card market. Also helps in building one's credit profile. I am grateful Reviewed on: 11th April 2023

Amazing Card and Support

I was so excited to get a card when I didn't have the best credit. Over the last 4 years I have made every effort to improve this. When I applied for a card, I wasn't expecting to get it but I was over the moon when I did. I have a regular payment go out each month and also pay a lump sum when I get paid. The online chat has been brilliant when I had a question and query. I would definitely recommend. Reviewed on: 11th April 2023

Nice

Affordable credit so for so good Reviewed on: 11th April 2023

My credit card

Zopa was fast easy and just right for my needs. Reviewed on: 11th April 2023

Great customer service

I rang to discuss payments and they understood my issue and resolved immediately. Great product, great rates! Reviewed on: 11th April 2023

Great little credit card

Its been really helpful to me.. I needed some work doing on my car that was gonna be pricey so the credit card saved the day Reviewed on: 11th April 2023

Easy to get a start to repair your credit

I found it easy to apply and use to help build my credit 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

Initial credit card (discontinued)
from Barclaycard 3.60 from 122 reviews
Clarity credit card
from Halifax 3.60 from 271 reviews
Credit Cards
from Smile Bank 3.84 from 4 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