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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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Simple credit card that gives you control

Zopa allows me to look after my finances. The cushion makes sure I have a budget for unforeseen situations. Reviewed on: 21st February 2023

Lots of hassle

The card isn’t user friendly and it hasn’t done anything for my credit score as it states Reviewed on: 21st February 2023

brilliant card

easy to use and fantastic value. best card i've had Reviewed on: 21st February 2023

Thank you very much

Useful and helpful. Thank you very much for the opportunity to have a credit card Reviewed on: 21st February 2023

Overall a decent experience

Very decent company, and easy to use app which makes making payments and setting up direct debits very easy Reviewed on: 21st February 2023

Reliable and helpful

Really friendly credit card, good for first timers. Reviewed on: 21st February 2023

Very helpful and straight forward

The app is very useful and easy to use it is sample and straight forward it tells you all the information you need and easy to navigate around Reviewed on: 21st February 2023

All good

I’m very happy Reviewed on: 21st February 2023

Affordable and fair

Unlike some other credit cards, Zopa starts you off with a sensible affordable limit with affordable repayments. This allows you to build your credit score over time. Reviewed on: 21st February 2023

Outstanding

Outstanding user friendly very good Reviewed on: 21st February 2023

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