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)

Perfect

Perfect! Is best word i can use to sum up my experience with zoopa. As someone who has struggled with bad credit from many years ago and looking to get back on track and rebuild my CR, zoopa really are helping me out by giving me a chance. The app, the ease of use everything is a joy to use recommend to everybody Reviewed on: 22nd February 2023

Credit Card Review

The whole process has been good from start to finish and their customer service team are very friendly, always happy to help! The card is so easy to use and I even have a personal loan with the company! Reviewed on: 22nd February 2023

Very clear on everything

Highly recommend to anyone looking for a brilliant card Reviewed on: 22nd February 2023

Simple no hidden surprises

Most credit card companies very obviously try to trap you into going wrong with different rules etc , so they can charge you ..Zopa hasn’t done so far so good .. seems pretty simple , fingers crossed Reviewed on: 22nd February 2023

Great starter card with a great app

It was really easy to apply for this credit card and the Zopa app is easy to use and makes it easy to pay (on a schedule too) Reviewed on: 22nd February 2023

Great credit card to learn to manage your money

This has been the best card I have had. They have the tools so you can set your own limit and learn to manage your account. Reviewed on: 22nd February 2023

Easily accessible

This credit card is a life saviour.i had a financial crisis and this card saved me from getting worse.i cannot thank enough Reviewed on: 22nd February 2023

Brilliant credit card

Love the functionality in the app as so easy to use. Having the credit cushion is brilliant as you can control how much you spend making it as affordable to you as possible. Reviewed on: 22nd February 2023

Fantastic

They made the process very easy the staff are friendly to talk to when I need help or advice and I find their app really easy to use Reviewed on: 22nd February 2023

Great service

They are so easy to deal with, very smooth process and feels very secure. Would recommend to anyone. Reviewed on: 22nd 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

Classic Credit Card
from Bank of Ireland 4.09 from 6 reviews
Credit card
from Nationwide 4.18 from 223 reviews
Credit card (discontinued)
from Tandem 4.65 from 358 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