Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 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

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

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.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Easy app, sensible spending limits.

After struggling with bad credit for years I was accepted for this card which I had never heard of before. The sign up was very straight forward and the delivery of the card was only a couple of days. The app is very easy to navigate and it is very clear to see what payment needs to be made and by when. The spending limits are sensible but fair. Reviewed on: 21st February 2023

Fantastic

I have found this credit card very handy to have Zopa is a great card to have they expalin everything very clearly they give you a reciept everytime you make a payment which i love have to say its the best card i have ever had would recommed them to everyone Reviewed on: 21st February 2023

Easy, stress free

It was a really easy and stress free process signing up for this product. Reviewed on: 21st February 2023

Great product and service

Fantastic product and great customer service Reviewed on: 21st February 2023

Excellent

Easy to use app. Easy to pay. Good communication. Overall a very good choice. Reviewed on: 21st February 2023

Helped me when I had nowhere to turn.

Helped me when I bad credit effectively stopped any chance of getting any sort of credit. Reviewed on: 21st February 2023

App is great

The app is great - it is so easy to use and navigate and keeps you in Control of your finances Reviewed on: 21st February 2023

Simple to use

Everything is running smoothly on the app. Reviewed on: 21st February 2023

Fantastic company so helpfull

Really amazing service would highly recommend this company they always help you if needed very good at informing you of new things happening Reviewed on: 21st February 2023

Best in town

Excellent service easy to use app brilliant Reviewed on: 21st February 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Overpay
from Incredible 4.19 from 5 reviews
American Express Credit Card
from American Express 3.81 from 120 reviews
Initial credit card (discontinued)
from Barclaycard 3.60 from 122 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub