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)

Help for ordinary people

Simple for ordinary people for the pandemic Reviewed on: 28th March 2022

A smooth easy way of managing my card

Good updates, great app - can see all transactions and easy to manage account for self Reviewed on: 28th March 2022

Quality Company

Informative app, easy to navigate, regular customer updates and reviews with justification for decisions made, Reviewed on: 28th March 2022

Fabulous company

Fabulous credit card, helped me build my credit score and are a very fair lender. Reviewed on: 28th March 2022

Another happy customer

The service is easy to use, with great application behind it. I will stay a client! Reviewed on: 28th March 2022

Great customer service

Everyone is quick to help however they can. Cheery happy people make you feel human. And never judge your circumstances Reviewed on: 28th March 2022

Easy app set up

Love the fact I can check my balance or pin in the app. Also like that I have the minimum payment coming out by direct debit each month, but find it so easy to pay extra off my balance in the app. Reviewed on: 28th March 2022

Caring Credit Cards

After weighing up several options for credit cards, I decided that Zopa was the best option, and I wasn't disappointed. From the get go, their payment system has been simple and customisable I am able to alter how and when I pay, and I'm warned if I haven't made a payment BEFORE I would be charged, making me feel like I am valued and that the bank don't want me to acrue debt Reviewed on: 28th March 2022

Good interest rate, fair service

Have had no issues with Zopa. I’m happy with the service on the app and would recommend. Reviewed on: 28th March 2022

Good experience

It's one of the best company for credit... keep it up guys 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

Credit card
from M&S Bank - Marks and Spencer 3.69 from 206 reviews
Credit card
from Yonder 4.85 from 952 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.08 from 13 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