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 credit card provider 2025

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

Zopa Credit card reviews (44348)

Helped me build credit score

Great card, app works as it should, regular update emails and helped me build my credit score. Thanks Reviewed on: 21st February 2023

Easy peasy Zopa was breezy !

Easiest application to it landing on my doormat ever ! Love it ! Reviewed on: 21st February 2023

Easy to use Credit Card

Application very easy, great app with all the information you need to manage your finances effectively. Reviewed on: 21st February 2023

Super Credit Card

Friendly, helpful, amazing. Thanks Reviewed on: 21st February 2023

5 star service

Great customer service, everything is self explanatory and easy to use app, brilliant all round Reviewed on: 21st February 2023

Simple & Easy to Manage

I have found the Zopa Credit Card simple and easy to manage from the beginning. From the initial application through to the daily checking, running and updating of my account the process is simple and easy through the app and there are no surprises, hidden extras or long calls to call centres. Great job Zopa. Reviewed on: 21st February 2023

Easy to use credit card

Easy to apply and get your answer in a few minutes with no fuss, easy to use app as well, overall really satisfied Reviewed on: 21st February 2023

Great company and service

Can't fault zopa been great the year or so I've been with them Reviewed on: 21st February 2023

not bad for a bad credit provider

good way of building or rebuilding credit Reviewed on: 21st February 2023

Breath of fresh air

Brilliant and very fresh approach to credit card supply. Always know where I am and they always send reminders and messages. They are the best provider I have experienced for communication. Highly recommend for people repairing their credit report. This provider gives you confidence in your future lending and really goes the extra mile. 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 ASDA Money 3.00 from 109 reviews
Credit builder card
from thimbl. 4.41 from 18 reviews
Purchase Credit Card
from Halifax 3.48 from 19 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