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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)

Easy to use

Helps build credit and flexible withbpayment dates. Reviewed on: 21st February 2023

Great Features

Pending interest charges let’s you avoid going over limits, buffer option is fantastic Reviewed on: 21st February 2023

Excellent

Easy to apply for and easy to maintain the account Reviewed on: 21st February 2023

Genuine service

Not pushy helpful credit card company, informs you of your credit weaknesses and what you can do to improve/increase limit. Would recommend for anyone who knows little about bank jargon etc Reviewed on: 21st February 2023

If in doubt get Zopa.

Absolutely the best credit card service, my experience so far has been amazing and I’ve recommended Zopa to friends and family. Reviewed on: 21st February 2023

I have credit card and smart saver account

Great service and quick and easy to access Reviewed on: 21st February 2023

Great credit card

The only downfall is that they don’t increase your limit but apart from that they are great Reviewed on: 21st February 2023

It has amazing customer service

Anytime I try get in touch they have one better customer service I ever had to deal with Reviewed on: 21st February 2023

Zopa

Good rate good app and all good experience Reviewed on: 21st February 2023

Great easy to use.excellent customer service support

Zopa are a great company.very friendly and helpful. Reviewed on: 21st February 2023

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