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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Great card

Have had no problems,easy to use and never had a problem. Reviewed on: 28th March 2022

Not complicated, easy to use and pay

Not complicated, easy to use and pay, never had a issue using this company, highly recommended. Reviewed on: 28th March 2022

the best

excellent and thoughtful service Reviewed on: 28th March 2022

Best rver

Best credit card I ever had to date Reviewed on: 28th March 2022

Simple and easy to use

From start to finish applying was easy the app is easy to use as well Reviewed on: 28th March 2022

You need help? Call ZOPA!

The best bank in UK, I’m very serious! Reviewed on: 28th March 2022

Quick and easy to apply

Applying for both a loan a couple of years ago and a recent credit card I found the response from Zopa was quick & efficient. Excellent customer service. The app is easy to use too. Reviewed on: 28th March 2022

Easy and good service

Zopa is really easy to use. They provide non nonsense credit. No hassling their customers and all communications from them have been efficient and concise. Really good Reviewed on: 28th March 2022

Easy to use

If I need to know anything about my money the app is a god send and the one time I have needed to use customer service the issue was delt wit instantly Reviewed on: 28th March 2022

Simply brilliant

Easy credit card to use no hassle no bother no surprise fees just good honest credit 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 (discontinued)
from Tandem 4.65 from 358 reviews
Credit Card
from Allied Irish Bank - AIB 4.11 from 6 reviews
Purchase Credit Card
from Bank of Scotland 4.20 from 10 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