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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)

Best rate card for my score

Private card score first time and good rate Reviewed on: 11th April 2023

Service

Brilliant provider. Gave me a credit card when I needed one where others would not Reviewed on: 11th April 2023

Great card

Best provider for credit I have ever had 100% Reviewed on: 11th April 2023

Simple finance, no fuss.

I've had my Zopa card just under a month. I've transferred my old credit card balance to this account for three months 0% interest on a balance transfer. Because of this I'll save money and also pay off the debt with no interest within the promotional period. A huge help during this cost of living crisis. Credit cards should only be used of you can afford them, and thanks to zopa I'm able to correct my mistakes! Reviewed on: 11th April 2023

Very helpful

It was a very straight forward application and I am happy with the credit card offered Reviewed on: 11th April 2023

Straightforward application and very easy to apply

It couldn’t of been easier to apply. Very straightforward application and they were very prompt in their decision and making your credit card available. It’s true what they say quick and easy. They certainly kept to their word Reviewed on: 11th April 2023

Brilliant

Great way to build up your credit score. The app is easy to use, would definitely recommend them. Reviewed on: 11th April 2023

its OK

szybko dzialaja tranfery , niska marza Reviewed on: 11th April 2023

Great to get on track!

Zopa are informative, applications easy to use and a great way to get your finances back on track if you’ve had a difficult past!! Keep up the great work guys Reviewed on: 11th April 2023

The best credit card for bad credit

Zopa gave me the highest borrowing money any credit card has and has helped me out so much this last year. The best credit card for sure. Reviewed on: 11th April 2023

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