Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

great product

happy with everything that they have done even in the tough times. Reviewed on: 21st February 2023

Brilliant

Always willing to help no issues easy to contact and staff are great always emails to see if everything hoing well Reviewed on: 21st February 2023

Happy customer

Very easy to use, excellent service, never had a issue. Reviewed on: 21st February 2023

Helpful

Always there if you need any help Reviewed on: 21st February 2023

I use my credit card for emergencies only

I am 77 years old and when I got my credit card I was very pleased. As I haven’t got much money is the cost of living things are getting quite expensive. I had the credit card for £500 and I only use it in emergencies when I’m short to pay for my guess my electric my food. And when I do get my pension to come in, I normally clear up the whole balance if possible I would like to thank you for my credit card as it has got me out of trouble sometimes I wish it was more than £500 , thank you Reviewed on: 21st February 2023

Overall experience

I am truly happy with the service I have received from Zopa. From their customer service to their features on the app. Absolutely fantastic! Reviewed on: 21st February 2023

Excellent

Always ready to help and advise their customers Reviewed on: 21st February 2023

Amazing Company

My credit rating is not the best, however ZOPA gave me the benefit of the doubt and provided me with a credit card and just the right amount of credit to help build my rating. The whole process was simple, easy and quick, if anyone is looking for a credit card I highly recommend ZOPA. Reviewed on: 21st February 2023

Easy and simple to use

This card is easy and simple to help me build my credit score after a time when I struggled to keep control. It gives me hope that I can help change and there is companies out there to help fix a problem Reviewed on: 21st February 2023

Great product

Have had good service from zopa both in the UK and abroad 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 Post Office 3.54 from 116 reviews
British Airways credit card
from American Express 4.06 from 93 reviews
Instant pay
from Incredible 4.61 from 28 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