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)

Best credit card provider

Very fair and understanding not like most credit providers make you feel like a customer rather then a borrower Reviewed on: 28th March 2022

Straightforward, affordable, accessible

Since getting my Zopa credit card I have found it very user friendly. The app is clear and straightforward to use. Everything is transparent amd easy to use and charging is very fair. Any credits paid on the account and any purchases made are updated immediately so you always know how much money you have available. I would highly recommend Zopa Reviewed on: 28th March 2022

fantastic

really good and i would recommend to people i know. Reviewed on: 28th March 2022

Excellent

No problem whatsoever. As a new card holder I sometimes had to contact someone with a question or query. Customer services were very quick, knowledgeable and understanding. Very good company. Reviewed on: 28th March 2022

ZOPA CREDIT CARD

My experience with Zopa is nothing but full of satisfaction. I have been so much satisfied with the service and will highly recommend it to anyone. Reviewed on: 28th March 2022

Awesome

Seemless. Helpful and easy to use. Reviewed on: 28th March 2022

The Best

Best ever card,easy to use as it is very quick to show payments made. Reviewed on: 28th March 2022

Easy to use, great for your credit

Zopa is easy to use and set up, repayments are made easy by either setting up an automatic debit transaction or manually paying. It increases your credit score where needed. The app is very straight forward and easy to install and set up. I would 100% recommend using Zopa as it can be a great help when you need extra money. Reviewed on: 28th March 2022

The best card I ever had!

I am very happy with my Zopa card. It is easy to manage and the customer service is spot-on. Reviewed on: 28th March 2022

Good

Very good and very fair interest rates 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

Select Credit Card
from Nationwide 3.62 from 13 reviews
Purchase credit cards
from MBNA 2.87 from 196 reviews
Credit card (discontinued)
from Metro Bank 4.72 from 880 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