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)

Makes life easy

This card is very easy to use and uncomplicated. I like how when you make a payment against your credit card the money is credited straight away and you don't have to wait days. The app is very easy to use which I like too. Reviewed on: 21st February 2023

Excellent service

Would highly recommend to family and friends Reviewed on: 21st February 2023

Very happy

App super easy to manage even for someone like me who's not very good with technology Reviewed on: 21st February 2023

Easy and fair

I was accepted for a Zopa credit card after I'd destroyed my credit at a young age and was on the mend to build it back up again. After being declined by so many other credit card companies, Zopa offered me a low limit credit card to help me rebuild my credit sensibly. The customer services team are very friendly and are easily available for any queries and questions. The app is easy to use and very well set put. I would definitely recommend Zopa. Reviewed on: 21st February 2023

Good

Good customer service. Best credit card. Reviewed on: 21st February 2023

Very pleased with card

Am happy how the card is managed Reviewed on: 21st February 2023

Great app and no fuss

Easy to use app, easy payments and total control over spending. Credit cushion also fab feature Reviewed on: 21st February 2023

Great product definitely recommending to others

Really good, quick verification process and service Reviewed on: 21st February 2023

This the best credit card

I used many time,I didn’t get any kind of noise and also give best offer Also I want to say best costumer service Reviewed on: 21st February 2023

Love it

The Zopa app is really simple to use and I have never had an issue with my service since I signed up with the Zopa family. Definitely would recommend 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

123 credit card (discontinued)
from Santander 4.18 from 162 reviews
Credit Card
from Ocean Finance 3.94 from 21 reviews
Platinum Purchase Card
from TSB 3.52 from 8 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