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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)

Straightforward &Easy to Use

As I was trying to build up my credit score I decided to open a credit card that I could manage easy. The app is so way to use, u can see what you have spent and your credit limit all in one place. No jargon - Easy to download and use. Reviewed on: 21st February 2023

Easy to use flexible approach

Love the credit cushion that you can set so that you always have some room for emergencies Reviewed on: 21st February 2023

Great card

Perfect great card easy and flexible very pleased Reviewed on: 21st February 2023

The best credit card

From the beginning they understood my needs and they helped me with the payments . If I had to choose again I would do it with the same bank . thank you ! Reviewed on: 21st February 2023

Flexible

Great service and very flexible regarding the use of my card. Very helpful customer service and the app is very easy to use. Reviewed on: 21st February 2023

Amazing!!!

The best credit card I've ever had! Easy to use app track spending and so easy to use brilliant wouldn't use any other!! Reviewed on: 21st February 2023

Excellent Experience with Zopa

Thank you for the opportunity to share my experience with the Zopa Credit card. I have been using this credit card for over a year now and overall, I am very satisfied with it. One of the things I appreciate most about this credit card is the rewards program. I enjoy being able to earn rewards for every purchase I make, and I find the rewards to be both generous and easy to redeem. The online portal for redeeming rewards is user-friendly and I have had no trouble using my rewards for statement credits or merchandise. Another benefit of this credit card is the low interest rate. I find the interest rate to be much lower than other credit cards I have used in the past, which helps me save money on interest charges. The card also has no annual fee, which is a big plus. In terms of customer service, I have found the representatives to be helpful and responsive. I recently had an issue with a purchase and the customer service team was able to resolve the issue quickly and to my satisfaction. Overall, I am very pleased with the dopa. It has a great rewards program, a low interest rate, and no annual fee. Additionally, the customer service has been excellent. I highly recommend this credit card to anyone looking for a new card. Thank you for the opportunity to share my experience. Reviewed on: 21st February 2023

Easy

Easy to make payments, navigating app website made simple. Reviewed on: 21st February 2023

Good reliable company

Zopa is a Transparent and very efficient Reviewed on: 21st February 2023

Gave me my credit journey back!

My credit file suffered a terrible few years & Zopa was the first company to trust in me, lend and provide me with a facility which has helped my credit file go from very bad to good. Managing my credit card has been very straightforward through the Zopa App, which is easily accessible and easy to use! Thank you for helping me get my credit journey back! Reviewed on: 21st February 2023

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