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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)

Quick and useful

Quick to apply and get a decision. Its been very useful to monitor my credit and see what I need to do to improve. Reviewed on: 21st February 2023

Happy customer

Very easy to use payments are processed immediately and acknowledged immediately too. Very happy usi g thus card. Reviewed on: 21st February 2023

Reasonable Credit Card

easy to use app, a range of payments that can be made, customer service is always helpful and polite. Reviewed on: 21st February 2023

Easy and straight forward

Easy to apply and manage within app. Payments easy and fast with no hassle Reviewed on: 21st February 2023

Great credit card from responsible lender

Great communication, easy to contact and use the app. Reviewed on: 21st February 2023

Amazing

Great would tell family and friends to use Reviewed on: 21st February 2023

Supported me when I needed it

Having hit a tough time through covid I reached out to Zopa and was supported with a holiday break, I finally got back on my feet and it was easy to start payments back up with their help. Reviewed on: 21st February 2023

The best credit card

They are the best card provided Reviewed on: 21st February 2023

Good interest rates

A good credit card without over the top interest rates Reviewed on: 21st February 2023

Great card

Easy to apply great card but no increase since receiving but paid off most times Reviewed on: 21st February 2023

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