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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)

Excellent

Can't complain as it's one of the best credit card around. Slightly higher than usual APR but that's how they make their money. Reviewed on: 11th April 2023

Gr8

Very. Helpful and friendly service. Reviewed on: 11th April 2023

Fair and friendly

Zopa is a really good credit card to help build credit and gives a person a chance to prove that can be good with credit Reviewed on: 11th April 2023

Absolute joke of a company

Email you all the time with needing more information and then the customer service is a joke closing my credit card down soon because of the messing around this company is putting me though. Reviewed on: 11th April 2023

Best Credit Card Provider ever.

Zopa is simply the best. You can always count on them. Reviewed on: 11th April 2023

Simple credit card

Zopa credit card is a random card to build your credit rating, the app is so simple to use Reviewed on: 11th April 2023

Best travel companion!

Simply, won’t let you down! I do not leave it behind whenever on the move, even just to my high street stores….. Reviewed on: 11th April 2023

Great lender and App!

Thanks to Zopa I have a credit card for any emergencies. I dont have the best credit rating so feels great to be trusted by a card company. The app is so easy to use also. Reviewed on: 11th April 2023

Brilliant service

So easy to set up and use with no fuss.also can keep track of everything on my phone Reviewed on: 11th April 2023

Friendly, easy service

I moved and then caught Covid shortly after applying for a Zola credit card. The customer service team was brilliant and helped me sort out the necessary paperwork and my Zola card arrived promptly. It is easy to use and easy to repay using the Zola app. Reviewed on: 11th April 2023

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