Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

View other Zopa products

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

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 (44348)

Very good

Very good I am glad are very happy good customer service Reviewed on: 21st February 2023

High interest rate

The card looks pretty but the high interest rate is annoying. But I like the affordability feature on the app Reviewed on: 21st February 2023

Very good service

They are helpful for basic need for there customers Reviewed on: 21st February 2023

Amazing credit card company

Easy to use amazing, service from the zopa team, would always recommend, them to orhers Reviewed on: 21st February 2023

Easy and clear

I find the app so easy to use, I like how I am notified immediately and how transparent everything is about zopa! Zopa was recommended to me by my husband and it's definitely my preferred credit card! Reviewed on: 21st February 2023

Best Credit Card bank/company

Zopa has the best products tailored made to suit its customers. There was no stress when I applied for a credit card. Reviewed on: 21st February 2023

Fantastic

Seamless experience in using the credit card Reviewed on: 21st February 2023

Super

Super credit card I really like this credit card and company very much. Reviewed on: 21st February 2023

No hassle

Always update you when they need. Simple user friendly app. Never any payment problems. They rock Reviewed on: 21st February 2023

Banking Made Easy!

The thing I like best with the Zopa credit card is that when you make a payment using the app it immediately updates you balance and available funds accordingly. You don’t have to wait 3 days or more! Reviewed on: 21st 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

Credit builder credit card
from Vanquis 4.73 from 28679 reviews
Platinum credit cards
from Barclaycard 4.12 from 335 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 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