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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)

Excellent

Easy to apply easy to pay just brilliant Reviewed on: 21st February 2023

Great for staying in control

Didn't think I'd be eligible for a credit card but was accepted. Its so easy to keep control and keep track of spending on the app. Would definitely recommend Reviewed on: 21st February 2023

Trust worthy

During hard times after finishing university with very bad credit and struggling with bills and debts, I just needed a little extra cash foe emergencies on the side to help me as life was hard then. No other company wished to help be other than Zopa. It may be a small amount but it has always gone a long way to help out on those rainy day. I therefore vote Zopa best credit company ever. Reviewed on: 21st February 2023

Great card

Really reliable and friendly customer support Reviewed on: 21st February 2023

Credit card

zopa credit card is excellent and makes my shopping and my financial life much easier. Reviewed on: 21st February 2023

.

First card to accept me as I had poor credit score. Really low payment help me build my score up. Thank you Zopa Reviewed on: 21st February 2023

The card gave me a chance to build my credit which i have so thank you

The card is a great way to build credit im so so happy with the card thank you zopa top card and app Reviewed on: 21st February 2023

Good credit card provider

They have been reliable and increase my credit allowance quickly Reviewed on: 21st February 2023

Simple and easy to understand

My Zopa card and the app are simple and easy to understand and use. Reviewed on: 21st February 2023

Great company

Excellent company and the app is brilliant Reviewed on: 21st February 2023

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