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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
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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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Zopa Credit card reviews (44347)

fantastic service

5
very good service and support and understanding solving problems with a customer who as health conditions and very understanding fantastic customer service Reviewed on: 21st February 2023
miss Caroline sims 's avatar
miss Caroline sims

Recommended

5
Fair rates, great customer support to assist with any issues. Reviewed on: 21st February 2023
Jane Abraham's avatar
Jane Abraham

Wonderful Experience

5
Had taken out a credit card with Zopa. The transition, turnaround time, experience and overall journey was seamless. Could not have expected anymore from a business. Thank you! Reviewed on: 21st February 2023
Josh Yeadon's avatar
Josh Yeadon

First class

5
The app works great, informative messages on what's been spent, I can't ask for more. Reviewed on: 21st February 2023
Barry Lyon's avatar
Barry Lyon

Best credit card I have ever had

5
My experience of the service I’ve received from this company has been outstanding, from completing my application onwards. The application was already pre approved for me, after a soft credit check and the offer was given to me, through a third party app that I have. The Zopa application took minutes and I received an immediate decision. The card then arrived shortly after and I was able to start using it. I was given a generous but not dangerous initial credit limit, which fitted perfectly with what I wanted the card for. I also love the mobile and tablet app that I use to manage this card. It is extremely user friendly and every purchase I make, shows immediately as a pending transaction, which helps a lot with my money management. I have another credit card where this does not happen. Zopa is the first company I would refer anyone to, who was looking for a credit card, especially if they wanted to improve their credit rating. I also think the spending tracker tool that’s included in the app is brilliant. Thanks Zopa! Reviewed on: 21st February 2023
Michael Clarkson's avatar
Michael Clarkson

Great service

5
Prepared to help people that have a poor credit history to get back on track Reviewed on: 21st February 2023
Colin Aindow's avatar
Colin Aindow

Pretty good!

3
Simple process to manage and apply… great app! Reviewed on: 21st February 2023
hrjn's avatar
hrjn

Top marks all round

5
This is the easiest credit card company I’ve ever used. Everything is so simple. Their app make it a breeze. Thank you. Reviewed on: 21st February 2023
Ash's avatar
Ash

Great credit card

5
Easy to manage with a great accompanying app Reviewed on: 21st February 2023
Lee Reed's avatar
Lee Reed

AMAZING

5
Always had issues getting a credit card, Zopa accepted me fast and very helpful!!! Reviewed on: 21st February 2023
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