Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

View other Zopa products

4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 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 (44348)

Clear app , low cost credit card offering , no nonse...

Clear app , low cost credit card offering , no nonsense service Reviewed on: 15th January 2026

Fantastic 5 stars

I have very good experience with Zopa credit card. I recommend friend to apply for Zopa credit card Reviewed on: 15th January 2026

Helping me.

Every time I’ve made a call they are so helpful. Reviewed on: 15th January 2026

Straight forward. Does exactly what it says it’ll do!

Straight forward. Easy app. Very efficient service Reviewed on: 15th January 2026

Zopa has excellent customer service and theier produ...

Zopa has excellent customer service and theier products and are tailor made to meet individual's needs Reviewed on: 15th January 2026

The service was very quick to help with finding a go...

The service was very quick to help with finding a good credit card with a reasonable rate! I will 100% recommend to friends and family. Always upto date information sent through and very good at sending the statement through to allow time for payment. Thank you ZOPA! Reviewed on: 15th January 2026

As someone who struggled with credit in the past I’v...

As someone who struggled with credit in the past I’ve found Zopa so easy to manage and deal with! Great lender. Reviewed on: 15th January 2026

Very easy to keep on top of credit limit and...

Very easy to keep on top of credit limit and spenong Reviewed on: 15th January 2026

Very good very helpful good advice very informative...

Very good very helpful good advice very informative and very polite Reviewed on: 15th January 2026

Best credit card and excellent customer service

Best credit card and excellent customer service Reviewed on: 15th January 2026

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

Premier Credit Card
from HSBC 4.12 from 20 reviews
Credit Card
from Bank of China (UK) 4.12 from 2 reviews
Purchase Credit Card
from Halifax 3.48 from 19 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 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