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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

easy to use

Really easy to use and quick to update Reviewed on: 11th April 2023

Zopa

Quick easy very helpful to build credit Reviewed on: 11th April 2023

Such a great credit card service

The application process was so easy and quick I was really impressed. The App makes using the credit card a dream. I love being in the knowledge that the app tracks my spending and keeps me up to date on the usage. I couldn’t fault a thing. Only one request for the future would be to add Apple Pay compatibility. Reviewed on: 11th April 2023

Very good

Zopa is very good credit card, reliable and fast payments Reviewed on: 11th April 2023

Brilliant Company

Zopa came to me and offered me credit to boost my credit score. I have boosted my credit so much over the last year I so happy they approved me Reviewed on: 11th April 2023

Great credit card

East to use app and instant approval Reviewed on: 11th April 2023

Credit card

Applying was easy and fast. The card came very quickly. Friendly service and helpful staff. App is great and easy to use. 10 out 10 from me Reviewed on: 11th April 2023

Fast and efficient!!

I found the whole process with Zopa to be very efficient and fast! Reviewed on: 11th April 2023

Best app for a credit card

The app for the credit card is brilliant, it has everything in one place, no faffing around calling helplines etc… and it’s given me a manageable credit limit to help me improve my credit rating, give me a chance when others wouldn’t Reviewed on: 11th April 2023

BRILLIANT BRILLIANT BRILLIANT

Brilliant credit card easy acceptance, no hassle , easy transactions and you can speak to someone on the phone not a machine !! Good customer service overall A BRILLIANT CREDIT CARD !!!! Reviewed on: 11th April 2023

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