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)

Easy application & clear spend tracking

Application was really easy and helped reduced debt as took advantage of the 0% interest for 9 months on balance transfer. Clear spend tracking showing remaining transfer balance and spend balance, would recommend. Reviewed on: 21st February 2023

Friendly and very easy to use app

Very pleased to say that zopa seems to put people’s interest first Reviewed on: 21st February 2023

Not convinced

Sorry just too much poor service , and half time card didn’t work. Reviewed on: 21st February 2023

Excellent company

I have been with you for just under a year and I must say Zopa are an excellent company, I haven’t had any problems at all and I would highly recommend Zopa to family and friends. Good luck and I really hope you win as it would be very well deserved. Reviewed on: 21st February 2023

Excellent

Great customer service Low fees and reliable Reviewed on: 21st February 2023

Credit card

So far no problems got my card immediately can draw money immediately!! Helps build my credit score I couldn't be happier Reviewed on: 21st February 2023

Outstanding credit card

Best credit card I’ve had, easy to use app Reviewed on: 21st February 2023

Good starter

Zopa seem a really fair responsible credit company. Their card and services offer a really good way to manage your access to credit Reviewed on: 21st February 2023

Really helpful

Where there for me when I needed them willing to help and very understanding Reviewed on: 21st February 2023

Very friendly credit card

It’s a very friendly credit card that i am using in my daily life.. perfect !!! 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

Partnership credit card
from John Lewis 2.06 from 899 reviews
Everyday spending credit cards
from Halifax 4.38 from 75 reviews
Credit Card
from Ocean Finance 3.94 from 21 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