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)

Fantastic card

This card is really good and the company have made it easy for me to use the card on my phone so I regularly use it for food shopping. Never had a problem with it Reviewed on: 21st February 2023

Reliable credit card

I really like some of the features my card has. I like that through using the app I can pull up the PIN number. The backup feature is wonderful. Being able to put an amount to one side is very beneficial. I have utilised that feature since the day I got the card. Would recommend based on those two features. Reviewed on: 21st February 2023

Easy, Cares, Informative

I love that the online features are intuitive for customer.....general ability! Well done. Reviewed on: 21st February 2023

Seem really good

Love the app and the instant balance once paid Reviewed on: 21st February 2023

First class Zopa

First class service on all floors Top class app Look no further than ZOPA it’s Super !!! Reviewed on: 21st February 2023

Very good and clear

Easy to use and the app is very useful and easy to use Reviewed on: 21st February 2023

Excellent customer service

Great to have weekly updates and a great user friendly app Reviewed on: 21st February 2023

Easy to use

I have my card a few months now from applying to getting the card to use. First quick and easy to apply online. I’ve hardly had an issues I think I have spoken to them once online and the issue was rectified instantly. Would highly recommend! Reviewed on: 21st February 2023

Efficient and loyal

Easy access app, able to make repayments so easily Reviewed on: 21st February 2023

Great card for poor credit

Easy to do balance transfers. Easy to use app 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 Chase Bank 4.81 from 383 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Credit card
from first direct 4.26 from 27 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