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)

A great card from a great company

I have had a number of low interest loans from zopa, great emails full of sound financial tips and advice and the credit card is a great addition to their suite of award worthy products and services. Full marks for an ethical and fair financial institution Reviewed on: 21st February 2023

The beast

Love my card and haw flex ability it is and grate customer service Reviewed on: 21st February 2023

Very helpful

Very helpful customer service and straight forward communication Reviewed on: 21st February 2023

Quick response at essential times

I've been using my zopa card for over a year now. Besides my other cards and I've found zopa costumer servicing much more comforting and approachable comparing to other companies. Soon after it became my main credit card and I'm happy to choose that. Reviewed on: 21st February 2023

Simple to use

Brilliant card, would use daily if it was available on Apple Pay Reviewed on: 21st February 2023

Easy to use, clear terms and conditions and simple credit card

Been using for about a year. Love the app as it lays out everything simply. Very clear about interest rates and terms. Reviewed on: 21st February 2023

Excellent customer service and care

Excellent customer service and care. Great app easy to use. Easy to make extra payments. Reviewed on: 21st February 2023

Credit card

Using credit card last 6 moths my limit gone 400to 1100 really appreciate and happy Reviewed on: 21st February 2023

Easy to access and maintain

Easy to access and msitan. No hidden fees. All clearly defined. Already recommend to friends . Reviewed on: 21st February 2023

Quick and easy service

Great for credit building. Hassle free. 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

Black Diamond Visa
from Vanquis 4.21 from 10 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Gold Credit Card
from American Express 4.51 from 25 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