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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 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)

Amazing

Really happy with Zopa as my credit card company. Easy to use app, helpful staff and feel very trusting and confident with their services as a whole. Reviewed on: 21st February 2023

Very good

Easy card provider to work with Reviewed on: 21st February 2023

Amazing service

Great service, has helped manage my finances through very difficult times, highly recommend Reviewed on: 21st February 2023

Low interest credit card

I needed a credit card to start to build my credit rating. The Zopa CC provided low interest option. Definitely recommend it. Reviewed on: 21st February 2023

Credit cards

Statements are easy to understand and interest is affordable Reviewed on: 21st February 2023

Zopa credit card actually has decent interest rates

I was surprised with the rate I got, even when my balance was maxed out my payment was not that high Reviewed on: 21st February 2023

Perfect

Easy to use and simple. Couldn’t ask for more Reviewed on: 21st February 2023

Excellent credit card to help build credit.

Easy to apply for starts with a lower credit limit then most would like however once they see a track record of you paying on time you will be offered credit increases and upon completing payment as required on time this will intern improve your credit record… try and pay in full every month to speed the process up. This will also send your credit rating higher. Reviewed on: 21st February 2023

APR going up and up and up

No other credit cards I have put the APR up as much as these guys.. all cause of inflation etc.. which is actually going down.. yet these rates keep going up. Charges are dumber than most other cards. Originally was a big fan of Zopa.. but like many, the longer you're a customer the worst it gets. Will be looking elsewhere in future. Reviewed on: 21st February 2023

Great card options

Setting up was easy to do and very straightforward Reviewed on: 21st February 2023

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