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 credit card provider 2025

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

Zopa Credit card reviews (44348)

Fantastic Company

I have used several credit cards over the years and Zopa is the outstanding card for me. The app on my phone allows me to manage my card easily. I know where I am with my spending every day with a simple click on my phone. Excellent company Reviewed on: 11th April 2023

Easy to use, great app

Zopa is user friendly, with a great app and easy communications. Reviewed on: 11th April 2023

Zopa credit card

It was an easy process to apply and there payment alerts are helpful for staying up to date with payments and the online website is easy to use Reviewed on: 11th April 2023

correct and always helpful!

recommended by friends, fast and always on time! Reviewed on: 11th April 2023

Great customer service

Helpful and informative on the app , great credit builder.. Reviewed on: 11th April 2023

Top credit card

Zopa take the worry and stress out of applying for a credit card, they’re understanding with situations that customers may be going through, with helpful advice. Zopa, they really are great Reviewed on: 11th April 2023

User friendly, costumer focused.

Fast and efficient at getting the most suitable card and setting up the app. The app is easy to use, and very simple to communicate with customer service if any issues. Reviewed on: 11th April 2023

Top

simple and easy to use, easy to pay!!! Reviewed on: 11th April 2023

Easy to use app

Easy to use app and good customer service Reviewed on: 11th April 2023

Excellent service.

This company is easy to communicate with and give a list of appropriate option personalised for your needs. Well done. 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 Allied Irish Bank - AIB 4.11 from 6 reviews
Credit Builder
from Chime 0.00 from 0 reviews
Everyday spending credit cards
from Halifax 4.38 from 75 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