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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)

Credit card that works for you

Zopa’s credit card app has great functionality that isn’t seen with other credit card apps. It allows you to change your payment amount, payment date and even provides feedback on how to improve your credit score, highly recommend. Reviewed on: 21st February 2023

Grate products

Good card to have to build credit up Reviewed on: 21st February 2023

Sensible, clear, easy to use

As above - customer service is also extremely helpful. They're cautious with credit limit increases as well which I appreciate Reviewed on: 21st February 2023

Excellent

Zopa is best credit card company Reviewed on: 21st February 2023

Excellent for building credit score

I use my zopa credit card most days and pay it off before the end of the month as a means to build my credit score. The app is great, very intuitive and easy to get grips of, I like having spending notifications. Customer service is excellent they're online chat feature has sorted every issue I've had in very little time! Reviewed on: 21st February 2023

great

great for those with poor credit, easy to use app and really helpful hints and tips Reviewed on: 21st February 2023

Seamless interaction

Whether I am paying my bill or making a transaction Zopa is seamless with its use and helpful notifications so I can see exactly where I am with my finances. Reviewed on: 21st February 2023

Happy

The process was easy and the staff are friendly Reviewed on: 21st February 2023

Fantastic

Quick, easy to apply, fast approval and easy to use app. Reviewed on: 21st February 2023

Top credit card

Top credit company easy to contact and plesant staff Reviewed on: 21st February 2023

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