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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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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

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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.

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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)

Very good credit card company

The card is very good to build credit for people who have bad credit Reviewed on: 21st February 2023

Great service

Always on hand, great app and good customer service. Reviewed on: 21st February 2023

Excellent to credit building

Zopa has been my main credit card to credit building. Works very well, and give me total control using the app. Reviewed on: 21st February 2023

Good communication and helpful

Zopa are always good at sending alerts and informing me of and changes to my account and provide ways in which to help manage my money. Reviewed on: 21st February 2023

Just fantastic

Better than any other card great service Reviewed on: 21st February 2023

Amazing

Been with these for a while now had credit issues but these guys have been amazing and helping out Reviewed on: 21st February 2023

Happy

Fantastic company , very helpful and easy to manage my account Reviewed on: 21st February 2023

The best credit card on earth!!!

I’ve had a Zopa credit card for a few years and the experience has been nothing but amazing, zero issues and great usability. One of the the most versatile cards I own and the user experience both online and in app are perfect and easy to use. This is the best credit card on earth. Reviewed on: 21st February 2023

Great card

My favourite thing about Zopa is the app. Payments clear instantly and balances update instantly Reviewed on: 21st February 2023

Best credit card I've owned

It's so easy to use fair to pay and use as and when apps easy to use this is the best credit card I've owned like.i have capital 1 credit card and not half as easy as this one wouldn't change for nothing . Reviewed on: 21st February 2023

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