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)

Mr Dovaston

When I’ve contacted Zopa, they’ve always helped me and answered my questions Reviewed on: 15th January 2026

Very helpful to me when I needed it

Very helpful to me when I needed it Reviewed on: 15th January 2026

Best card for people struggling with credit

I've always struggled to get credit after my ex husband left me in a lot of debt he did in my name behind my back. Zopa has given me this chance, so much so that I've referred other people to use this too. I love my Zopa card. It's helping my credit score so much. Reviewed on: 15th January 2026

Very good service from the start.

Very good service from the start. I enjoy having all the hints and tips to improve my credit score. I appreciate the ongoing communication which ensures I keep track of everything Reviewed on: 15th January 2026

Exhalant customer service, friendly and knowledgeabl...

Exhalant customer service, friendly and knowledgeable staff. Would recommend to friends and family Reviewed on: 15th January 2026

Good credit card for people who want to build back a...

Good credit card for people who want to build back a good credit score Reviewed on: 15th January 2026

I've got a positive assessment for zopa's credit card.

I've got a positive assessment for zopa's credit card. I've used it for a while and I am glad I did. With no hidden charges and reliability coupled with its easy use and wonderful customer support service make it the best credit card ever. I therefore recommend an award for zopa. Reviewed on: 15th January 2026

Best cimpany

Very professional, easyto use, easy to contact, app easy to use Reviewed on: 15th January 2026

No Hassle Account

I was given a good APR on both my credit card and loan when my score, at the time, wasn't great. I've only had to deal with customer service once and they were excellent. Reviewed on: 15th January 2026

Most banks and finance companies I deal with in uk d...

Most banks and finance companies I deal with in uk didn’t give me a chance to rectify my situation when It was bad, except zopa, who was always very patient with me. 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

Credit card
from HSBC 3.72 from 128 reviews
Fluid Credit Card
from NewDay 3.61 from 105 reviews
Gold Credit Card
from American Express 4.51 from 25 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