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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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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

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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.

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Awards

Best credit card provider 2025

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

Zopa Credit card reviews (44348)

Good credit card

Interest isn't bad and easily repayable Reviewed on: 28th March 2022

Great credit builder

Easy to use, everything explained. Reviewed on: 28th March 2022

Really good company

Is a good company for a credit card. Reviewed on: 28th March 2022

Fantastic

Brilliant card and manageable. I have app is great and the service is fantastic Reviewed on: 28th March 2022

Zopa credit card

Easy to use...Convenient to pay...excellent customer service Reviewed on: 28th March 2022

Brilliant Service mixed with handy card

Signed up card agreed, with me in days, paid part balance came off next day great service. Reviewed on: 28th March 2022

As easy as that..

So easy to set up and deal with and I love the company image! Reviewed on: 28th March 2022

Great and understanding

Great company from start to now. Easy to use App Reviewed on: 28th March 2022

Balance Transfer

The only credit card where you can pay off your balance and it shows instantly! Absolutely brilliant! So easy to use on the app. Just everything about this card and service is the best! Simple, no fuss, pay off instantly any amount. Couldn't wish for more! Reviewed on: 28th March 2022

5 star *

Application process was simple and quick to do. The app itself is really easy to keep a track of spending and even gives me tips and tricks to increase my credit score and borrowing power. Anytime I’ve had to call up, the advisor on the phone has always been really helpful and friendly. Thank you Zopa! Reviewed on: 28th March 2022

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