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)

Sensible credit limit.

Sensible credit limit. Polite reminders about payments. Reviewed on: 15th January 2026

Had to ask a question got immediate response and res...

Had to ask a question got immediate response and result Reviewed on: 15th January 2026

Easy to use, very simple, best card i have had, app...

Easy to use, very simple, best card i have had, app very simple and quick Reviewed on: 15th January 2026

Amazing company to use easy app would rate him to an...

Amazing company to use easy app would rate him to anybody 10 out of 10 Reviewed on: 15th January 2026

The Zopa card is very good but there is one drawback...

The Zopa card is very good but there is one drawback - it cannot be added to Apple Pay. Reviewed on: 15th January 2026

Simply a great experience

Hadn’t used customer services so top score was based on the whole infrastructure that Zopa have. All credit card providers should follow their lead as the set up was flawless and the app is so simple and intuitive Reviewed on: 15th January 2026

Makes life easy

Zopa was the first credit card provider which marked me eligible for credit and now my credit score is sky high. Reviewed on: 15th January 2026

Everything always is the best and has very clever de...

Everything always is the best and has very clever decisions Reviewed on: 15th January 2026

Happy with Zopa

Have not had any problems with Zopa at all. Reviewed on: 15th January 2026

friendly advice when asking for help

understand your needs friendly advice when asking for help 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

Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Credit card
from Debenhams 3.73 from 14 reviews
Credit card
from Yonder 4.85 from 952 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