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)

Alerts on spending and help building better credit

Using zopa has helped me understand where I was going wrong with my credit score helped me to manage credit better and I get alerts with what I have spent which helps me to keep up to date and on track with payments also has my credit score on the app so I can see what my borrowing power and overall credit rating is can't rate zopa enough Reviewed on: 21st February 2023

Simply the best

Easy to use and keep control of your credit Reviewed on: 21st February 2023

Quick response

Quick response and I find the insights very helpful Reviewed on: 21st February 2023

Easy To Use

The app is so easy to navigate and signing up for credit card was easy to. Would definitely recommend to others. Reviewed on: 21st February 2023

Great Help!

They have been really great help, allowing me to work on bettering my credit score! On top if this it is easy to manage and if you are having a hard tome they are very understable and offer ways to help support Reviewed on: 21st February 2023

I like this credit card.

Easy to use and easy to apply for this credit card. Reviewed on: 21st February 2023

Great card that helps with credit score

Easy to use and manage with simple but effective tools. Reviewed on: 21st February 2023

A true credit builder

Zopa is a card that caters for those with a low credit history ,but treats you with respect rather than children. The app is great providing all the tools to manage your account with real time reports as well as payments registering straight away. My credit amount was increased as soon as confidence was established. Unlike other providers who refuse to review eligibility fairly. Well done keep it up Reviewed on: 21st February 2023

Great product

Fantastic app and service that allow me to manage balance, make payments and stay in control Reviewed on: 21st February 2023

Happy with service

Very easy to get credit card, good payment options, easy to pay back and increases credit score 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 card
from HSBC 3.72 from 128 reviews
Fluid Credit Card
from NewDay 3.61 from 105 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