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)

Ease of use easy repayments

Ease of use easy repayments and easy to use Reviewed on: 6th March 2026

Easy to use and very good information

Easy to use and very good information Reviewed on: 6th March 2026

Good card.

Ease of use.and very handy to have in certain situations. Easy to make repayments from the banking app. Reviewed on: 6th March 2026

Easy application and well informed.

My application for the Zopa credit card was simple and with an initial balance of £500 was a very helpful addition to my wallet. I didn’t have long to wait for a balance increase and I am happy with where I am at present. The interest rate was initially lower than expected, but that is being increased shortly. In all I believe the Zopa credit card is one of the best on the market and would recommend it to anyone. Reviewed on: 6th March 2026

Excellent

Very good easy helpful use app good easy to use Reviewed on: 6th March 2026

I was starting over to build my credit and Zopa gave...

I was starting over to build my credit and Zopa gave me the opportunity to do that. I am very happy with them. Reviewed on: 6th March 2026

Zopa gave me a chance where many others refused.

Zopa gave me a chance where many others refused. Zopa gave me all the tools to enable me to rebuild myself after poor decisions when I was younger which meant I had awful credit history. Reviewed on: 6th March 2026

Great company and well designed App.

Great company and well designed App. Easy to use and manage the credit card. Reviewed on: 6th March 2026

Great app

Good service excellent communication snd and easy to use app Reviewed on: 6th March 2026

The application process was simple and quick.

The application process was simple and quick. Everything was very transparent. Reviewed on: 6th March 2026

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

Choice Rewards Credit Card
from Lloyds Bank 4.17 from 14 reviews
Credit card
from Yonder 4.85 from 952 reviews
All in One Credit Card
from Santander 4.27 from 23 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