Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 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 (44347)

Very simple and user friendly

I have been with Zopa for a while now and I can honestly say it is so easy to use. The app helps you to stay on track of your spending, with real time information and money clears straight away. So simple and so user friendly, I would definitely recommend. Reviewed on: 11th April 2023

Fantastic

Really great service and fanatic customer service Reviewed on: 11th April 2023

Easy. Simple. Fair

The title says it all. Have a credit card with them and the app is very easy to use and informative Reviewed on: 11th April 2023

Excellent service

Zopa is a fab credit card there is no sudden changes or hidden costs they let you know when you get a limit increase . Would definitely recommend. Reviewed on: 11th April 2023

Track your spend

Great as you have the opportunity to build your credit Reviewed on: 11th April 2023

Excellent provider!!!

Zopa is the best credit provider. The app is so easy to use and you get updates on your credit progress every month Reviewed on: 11th April 2023

Amazing ******

I took out a zoom credit card 2 years ago and have never looked back they have been amazing in everyway very informative and never any pressure very straight foward and easy to navigate the statements along with excellent customer satisfaction. 100% recommended Reviewed on: 11th April 2023

Simple, straightforward and great product

Brilliant customer service and excellent product Reviewed on: 11th April 2023

Easy to set up and use

Completed application through the app, whole process was relatively painless from start to finish. Transferring a balance, making payments etc is also straightforward. Reviewed on: 11th April 2023

Clear, transparent banking made easy

Such a simple and effective credit card without the fuss. Making life simple in such a complex marketplace. 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 (discontinued)
from Metro Bank 4.71 from 880 reviews
British Airways credit card
from American Express 4.06 from 93 reviews
Flex Purchase credit card
from Monzo 4.90 from 3188 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 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