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)

Easy to manage

I love the flexibility the app gives you. It sends real time notifications to keep on top of your spending, and the app is incredibly user friendly. Reviewed on: 21st February 2023

The credit card that gives you a chance!

Xopa is one of a few credit cards that will give you a card if you don't have very good credit. The initial credit limit is very good. Plus the monthly payments are great too. It's great to have a credit card provider that is happy to give you a chance and help you build your credit. I would highly recommend! Reviewed on: 21st February 2023

Brilliant

Best services around, easy to apply and card with you within few days Reviewed on: 21st February 2023

Ease and Simplicity

This credit card and the app you can download are the easiest and most simple I have used. Great customer service and support too. Reviewed on: 21st February 2023

Great company

Great company, easy to use app very user friendly Reviewed on: 21st February 2023

Yes

Excellent service and very fast and convenient Reviewed on: 21st February 2023

Straight forward, clear credit

Very impressed with Zopa; I have a credit card with them which is extremely easy to manage. Easy to navigate app with clear information on monthly payments, interest and credit limit. Customer services is extremely good too Reviewed on: 21st February 2023

Great friendly customer service

Simply easy and straight forward great company Reviewed on: 21st February 2023

Zopa an excellent credit card

Excellent customer service and easy to get hold of. Always know what your budget is. Reviewed on: 21st February 2023

quick easy and affordable

Quick easy process affordable repayments. App can show amount lent and balance transfers balance 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

Fluid Credit Card
from NewDay 3.61 from 105 reviews
Gold Credit Card
from American Express 4.51 from 25 reviews
Credit card
from Vanquis 4.39 from 598 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