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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)

Very useful

Been good to me, good service. It is handy when running short. Very useful Reviewed on: 21st February 2023

Fantastic card!

I started with low credit limit due to my credit score. But paying my bills on time and finally getting a better score I was able to finally boost my credit limit! (Which didn’t take to long) Paying pack money on the app is really easy too! With only a press of a few buttons it’s quick and easy! Zopa is definitely the card to go for when you need a credit card with a good low apr. Thanks zopa Reviewed on: 21st February 2023

Great credit card.

The credit card was easy to apply for and the credit limit was quite fair given that I had little to no credit history in the UK. Repayments are processed instantly and reports to the credit agencies are accurate and timely. Reviewed on: 21st February 2023

Great interest rate

Interest rates are competitive with other credit cards Reviewed on: 21st February 2023

Great, simple straightforward just like me!

Simple straightforward easy to use app giving total control over your spending. I’ve already recommended to family and friends. Reviewed on: 21st February 2023

Amazing Service

Couldn’t be happier with my Zopa account. Easy to make repayments and customer service quick to get back to you! Have recommended to lots of family and friends. Reviewed on: 21st February 2023

Good credit card company

You gave me credit I am amazed on how little interest you charge for purchases & cash withdrawals you make payments affordable to customers Reviewed on: 21st February 2023

Great card and rates

Great card and rates app is really easy to use Reviewed on: 21st February 2023

Amazing company

Absolutely brilliant company would recommend Reviewed on: 21st February 2023

Zoopa cards

Absolutely brilliant service, online account a joy to use. Particularly love the instant update of the account when you pay the balance. Reviewed on: 21st February 2023

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