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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)

Excellent Service

Whenever I’ve needed help they have been excellent at helping Reviewed on: 21st February 2023

Great card for low credit rating

Great company will give you a high credit limit even if you have a low credit rating ,easy to use ,many thanks Reviewed on: 21st February 2023

Sensible credit card.

Easy to use app. You can set a credit cushion so you don’t get tempted to impulse buy. The credit cushion is available at your convenience. All sections of the app are easy to use and understand. Lots of advice available on how to improve your money management and enhance your credit score. Very happy with the 18 months I have had my card and the advice I have been given. Would strongly recommend a Zopa credit card. The interest rate is very reasonable as well. Reviewed on: 21st February 2023

Brilliant card

Great card an easy to use app, keeps you informed all the time and helps to improve credit rating Reviewed on: 21st February 2023

Best credit card

Love the fact you can have a smart savers account too with good interest rate Reviewed on: 21st February 2023

Zopa the best

Just super good! I am more than happy to have a Zopa credit card! Well done Zopa! Reviewed on: 21st February 2023

Help was there when I needed it

Top card help was there and helped me out of a mess .thank you, zopa Reviewed on: 21st February 2023

I do recomend Zopa.

I am happy with everything; easy payments, manageable everything you want to do. Reviewed on: 21st February 2023

Zopa have been amazing and really easy to use.

Zopa is a great credit card and have always been helpful Reviewed on: 21st February 2023

Reliable credit card

The card has been reliable with reasonable interest rates throughout Reviewed on: 21st February 2023

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