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)

Fantastic card with options

This is more than just a credit card, it's also an amazing tool to help build credit and check how well you can manage your money. Reviewed on: 23rd February 2023

Ok

Good alright excellent outstanding Reviewed on: 23rd February 2023

Easy, quick approval, good communications

Very happy customer - no issues. Reviewed on: 23rd February 2023

Simple and easy to use

Great app that is simple and intuitive. Probably my favourite credit card to deal with Reviewed on: 23rd February 2023

Great

Good 1st credit card free interest for 1st year Just watch the intrest Reviewed on: 23rd February 2023

Easy

The services and products I received was great easy to set up and get started Reviewed on: 23rd February 2023

Zopas app great, credit buffer fab

Zopa app is so clear, concise, tells you what you need to know. Credit buffer offers peace of mind that interest added will not send me over limit. One off payments are easy. Reviewed on: 23rd February 2023

Perfect

I did a balance transfer with Zopa and found the really easy to deal with and the app is user friendly. Your deposits show straight away unlike most credit card providers. Joy to deal with. Reviewed on: 23rd February 2023

Good credit builder

Lived abroad for many years so no credit history in UK. Using Zopa and various other cards to build history. Average to high interest rate but to be expected with little history. Good experience so far. Reviewed on: 23rd February 2023

Very satisfied

I am happy to use this card and I sincerely recommend m Reviewed on: 23rd February 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

Black Diamond Visa
from Vanquis 4.21 from 10 reviews
Balance Transfer Credit Card
from Halifax 4.10 from 64 reviews
Credit cards
from Virgin Money 3.84 from 814 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 4.84 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