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Zopa: Credit card 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
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Gary Keaney's avatar
Gary Keaney

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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.

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Zopa Credit card reviews (44347)

Great company

5
My card has never let down and no one pressure you I would recommend zopa to my friends and family Reviewed on: 21st February 2023
stephen narsingh's avatar
stephen narsingh

Just fabulous, easy to use and quick to set up

5
Everything is just so easy. Hopefully you'll do mortgages soon and make that process just as seamless Reviewed on: 21st February 2023
James Stewart's avatar
James Stewart

Credit card

4
Keeps you updated and informed every month you get a update about your borrowing power Reviewed on: 21st February 2023
Sharine 's avatar
Sharine

Great fast service

5
Accepted quickly card sent prompt Reviewed on: 21st February 2023
Chantelle's avatar
Chantelle

No hassle

5
No hassle and a quick decision, the pre approved information is a great help Reviewed on: 21st February 2023
Ian Dix's avatar
Ian Dix

Great company

5
Great company and easy to use. Helped me out with short term loan when i moved house and was struggling Reviewed on: 21st February 2023
Claire's avatar
Claire

APR % increase too often

3
Have had a few emails stating the APR % is increasing. Only had the card a few months and a bit disappointed that the APR is increasing rather than staying the same. Very short time period for 3 increases over the last 4 months. Reviewed on: 21st February 2023
Thila Inez's avatar
Thila Inez

It's a 10 from me

5
Easy to use app. Reasonable rates considering credit score and a very friendly customer service team. Reviewed on: 21st February 2023
Craig Ashton's avatar
Craig Ashton

A second chance

5
After being refused elsewhere zopa gave me a second chance. I was silly as a youngster and didn't have any "money lessons" for life and abused my credit, but as I got older and independent the damage had already been done and I wanted to rebuild my credit and start a fresh an zopa gave me that chance so thank you very much! Reviewed on: 21st February 2023
Alison Hewitt's avatar
Alison Hewitt

Credit card made simple

5
I have had a very good experience so far with my zopa credit card. Easy to manage and very transparent. The phone app is very good also..... Reviewed on: 21st February 2023
Keith harra's avatar
Keith harra

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