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)

Fantastic first class Top brand

Can't fault Zopa they are outstanding Reviewed on: 21st February 2023

Building credit rating

Applied for Zopa got credit card and almost instantly started to see improvement in my credit rating would definitely ay go with them Reviewed on: 21st February 2023

Great card

Very easy to use helpful customer service Reviewed on: 21st February 2023

Credit card

Easy the use and pay on the app Reviewed on: 21st February 2023

Excellent app and great customer service

Easy to apply for card. App is easy to navigate. Also facilitates an access to your borrowing power and affords extremely useful savings advice and tips. Reviewed on: 21st February 2023

Best Loan provider

Applying for a Zopa credit card was so easy the service is good and I receive frequent emails to keep me informed of my status Reviewed on: 21st February 2023

It's OK

Not bad could be better apart from that it's good to use Reviewed on: 21st February 2023

Best service

So much imptessive and ease of mind. Reviewed on: 21st February 2023

smooth and efficient credit

Find the Zopa app really efficient and smooth, wouldn’t want to manage my finances any other way:) Reviewed on: 21st February 2023

Really lovely people on the customer service telephone when I ring them up very helpful

They always explain things in detail and are very helpful and kind 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

Avios Rewards Credit Card
from Lloyds Bank 4.16 from 60 reviews
Platinum Purchase Card
from TSB 3.52 from 8 reviews
Credit Builder
from Chime 0.00 from 0 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