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)

Good credit card

It is a good way to build your credit as a young adult. Reviewed on: 21st February 2023

Good app , easy to use,

I got this card when other companies refused me, so grateful , just need to get my balance down now Reviewed on: 21st February 2023

Amazing process

Does it all really amazing rate really simple process really couldn't ask for more! Reviewed on: 21st February 2023

Balance transfers

Nice to have a credit balance and a separate balance transfer account. However you can only make payments to balance account when credit balance is paid in full. Reviewed on: 21st February 2023

Great

Good service always helpful I have never had any issues Reviewed on: 21st February 2023

Great card to have

Great card easy to manage in app,easy to make payments everything in one place. Reviewed on: 21st February 2023

Very informative

Very easy to deal with very impressive Reviewed on: 21st February 2023

Very good service

Very good service highly recommended Reviewed on: 21st February 2023

Easy simple hassle free

The app is easy to use. Card is useful for emergencies Reviewed on: 21st February 2023

Straight forward and easy to use

The app makes it easy to keep on top of your spending and payments and the notifications are great for reminders. The card is accepted everywhere. 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

Select Credit Card
from Nationwide 3.74 from 14 reviews
Clarity credit card
from Halifax 3.60 from 271 reviews
Platinum Cashback Credit Card
from American Express 4.34 from 71 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