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)

Easy and simple

Good company and account easy to use. Easy to keep track of your account. My only feedback is that you can’t add the card to Apple Pay Reviewed on: 23rd February 2023

Very easy to use

Loan was easy to get, money sent straight away and the app is easy to use. Reviewed on: 23rd February 2023

Fab

Good service and always helpful, very impressed Reviewed on: 23rd February 2023

happy with zopa

it was so easy and quick to get a loan from zopa when i desperately needed it Reviewed on: 23rd February 2023

Great credit card

Having this credit card is great ,I don't always need to use it every month but its there when I do and affordable. Reviewed on: 23rd February 2023

Credit card

Good all round.Helpfull reminders and easy to make payments. Reviewed on: 23rd February 2023

Easy to manage credit card

This card helps me keep track of my money without ever going over my limit and is very easy to use Reviewed on: 23rd February 2023

Excellent sorting problems

When iv had contact zopa with problem they have sorted it straight away!!! Reviewed on: 23rd February 2023

It's Great!!!

Zopa Bank Looks after me with a Great Credit Card Reviewed on: 23rd February 2023

Best Credit Card

I find Zopa one of the best credit cards. 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

Initial credit card (discontinued)
from Barclaycard 3.60 from 122 reviews
Zero Credit Card
from Santander 4.25 from 21 reviews
Credit Builder
from Chime 0.00 from 0 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