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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)

Excellent

Excellent service easy to understand great company Reviewed on: 28th March 2022

Eased my mind

Having this credit card has helped me ease my mind and give my anxiety a bit of relief by having backup Reviewed on: 28th March 2022

So good

Very good ,1000000000000000000000099999990000000000000000000%% Reviewed on: 28th March 2022

Excellent service always

Always professional and deal with issues very promptly Reviewed on: 28th March 2022

Helping to get my credit score on track

I was desperate to get my credit score back on track after a set back in my finances and Zopa have helped me do this. Im happy! Reviewed on: 28th March 2022

Easy application and great with fair/bad credit

Online application only took minutes Reviewed on: 28th March 2022

great service

its the best credit card with great service and regular update regarding your credit report. Reviewed on: 28th March 2022

Good but bad interest

Good but high interest rates exceptionally good customer service. Reviewed on: 28th March 2022

Fantastic

Was struggling to find a credit card company who would accept bad credit. Zopa done that and now my credit score is great. Just been accepted for a mortgage as well. Thank you zopa Reviewed on: 28th March 2022

Top notch banking app

Excellent banking app simple to use fair credit Reviewed on: 28th March 2022

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