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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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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

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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.

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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 (44348)

Credit card

Simply quick and easy from start of application to Finish card arrived quickly an app is brilliant highly recommend Reviewed on: 21st February 2023

Mr N

So far i am satisfeid an good credit Card Reviewed on: 21st February 2023

The best card

The best card in london I used en europe Reviewed on: 21st February 2023

Excellent

A fast, easy process! Money when you need it! Good deal! Reviewed on: 21st February 2023

Great service. Constant updates. And real practical advice

Great practical advice. No unnecessary increases. They move at a slow pace for you to get familiar with your credit status Reviewed on: 21st February 2023

Card karma

A great card for great people in the greater scheme of things Reviewed on: 21st February 2023

My flexible friend and no messing

Easy to sign up and great mobile app to keep control of payments and spending. I don't leave home without it and helping me rebuild my credit rating after the pandemic - thankyou Zopa !!!! Reviewed on: 21st February 2023

Decent

Decent compared to similar cards Reviewed on: 21st February 2023

No hassles

I have found the service and customer experience much better than other credits card providers I have been with previously. Heartily recommended! Reviewed on: 21st February 2023

Nice Card with a good rate.

Every 200£ I spend, I only have to pay back £4 in interest. Which in turn allows me to pay more off every week. Reviewed on: 21st February 2023

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