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)

Excellent credit card provider

My experience with Zopa has been great so far support is always helpful no late payment fees and very low interest rates would recommend them to all my family and friends Reviewed on: 28th March 2022

Accessible, easy to use, brilliant

With my time using the card/account I find it very user friendly, helps build my credit with timely payments, increase of credit a great help in my aid get a better credit score highly recommend to friends and family Reviewed on: 28th March 2022

Fantastic service

So easy to set up and to use. The app is amazing and helps keep track of your spending. No issues at all! Reviewed on: 28th March 2022

Excellent

Easy to set up and use and no sales calls Reviewed on: 28th March 2022

Voting

Amazing customer service and team Reviewed on: 28th March 2022

Good experience overall

Works well as required, Google pay integration makes it handy to use and no extra charges ever, since i am using it .. Almost 6 months.. Happy and recommended by anyone aiming to build a credit score for less expensive credit card option. Reviewed on: 28th March 2022

Mr

Easy to use app and very handy. Great customer service and updates. Reviewed on: 28th March 2022

Very good

Easy and quick, I recommend it to everyone Reviewed on: 28th March 2022

Brilliant experience.

Wonderful customer service with transparency every step of the way. Reviewed on: 28th March 2022

Great card for credit building.

I have not had any issues or problem so far since using the service Reviewed on: 28th March 2022

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

Nectar Credit Card
from Sainsburys Bank 3.63 from 97 reviews
Credit card (discontinued)
from Wave (inactive) 3.70 from 3 reviews
Credit Card
from Allied Irish Bank - AIB 4.11 from 6 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