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 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)

Credit card

Good easy to use credit card with easy to use app Reviewed on: 21st February 2023

Easy app great service no hidden costs

Easy app great service no hidden costs Great company everythings simple. Helps there when you need it. Reviewed on: 21st February 2023

Quick and easy

Amazing customer service and great rates. Reviewed on: 21st February 2023

Great service

Fantastic, no issues at all have been brilliant from start to finish. App is easy to use too Reviewed on: 21st February 2023

About Zopa

This is the best card I have ever seen Reviewed on: 21st February 2023

Excellent

Very easy process from application till delivery Reviewed on: 21st February 2023

Great card for users with adverse credit

Very few companies out there just look at the black and white and refuse to give people a chance to show that they’ve made mistakes but they’ve learnt. Zopa did that with me and I have proven that I can maintain a credit card with minimul fuss and customer service is exceptional Reviewed on: 21st February 2023

Brilliant company

Good company with good APR rates. Would recommend Reviewed on: 21st February 2023

Ease of use

Excellent product. Immediate transactions, clear communication and ease of use. 100% Reviewed on: 21st February 2023

Great card

A credit card that is for there customers 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 Yonder 4.85 from 952 reviews
Credit card
from PayPal 4.70 from 108 reviews
Freedom Rewards Credit Card
from Barclaycard 3.94 from 62 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