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 and easy to manage credit card

Zopa is an easy to use credit card that also offers great tips on building your credit back up. Super easy app and regular reviews of your account make it super easy to get confidence in rebuilding credit Reviewed on: 28th March 2022

Friendly/1st class service

I recommend to all, great service. Reviewed on: 28th March 2022

Best bank

Best experience i ever had with any credit card bank Reviewed on: 28th March 2022

Outstanding service provider

From start to finish, Zopa was efficient within the application process to the delivery of the credit card. The app is user friendly. Couldn't be more impressed! Well done Zopa, you deserve an award. Reviewed on: 28th March 2022

Excellent

Great customer exoerience from day one Reviewed on: 28th March 2022

Great card to build the credit

Brilliant card to start rebuilding the credit score they give me a chance when i thought nobody will accept me for a card with my credit score and they don’t charge an arm and a leg would recommend to everyone who wants to start anew Reviewed on: 28th March 2022

Keeps you in the loop

You get notifications regarding the account Reviewed on: 28th March 2022

Very good

For the moment is good for me and help me so much. Thanks Reviewed on: 28th March 2022

Quick and easy app

Neat easy service, smooth transactions Reviewed on: 28th March 2022

Fair trusting sensible

Offered credit when needed despite low credit score and very sensible about their credit limits. 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

Clear Rate Platinum Credit Card
from NatWest 3.90 from 21 reviews
Gold Credit Card
from American Express 4.51 from 25 reviews
Cashback credit card
from Lloyds Bank 4.26 from 26 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