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)

very informative

Easy to understand where you are with app and the updates are informative. Great service Reviewed on: 28th March 2022

Brilliant

I have no words what a app they built very fast service keep up the good work thanks Reviewed on: 28th March 2022

Very quick and easy to use service.

the way banking should be in the future. Reviewed on: 28th March 2022

Better than most

Good customer services. Very good mobile app. Easy to use card for all transactions. Overall, a good credit card - but its seemingly impossible to get or qualify for a credit increase. Reviewed on: 28th March 2022

Best card

Amazing card I am satisfied using this card and I am happy with the interest charges. Reviewed on: 28th March 2022

Always easy to deal with

The app is so easy to use, makes the experience much more enjoyable and informative, would highly recommend Zopa to anyone Reviewed on: 28th March 2022

Great card

Fantastic card, good customer service and support Reviewed on: 28th March 2022

Zopa

Good nice very good good good goo Reviewed on: 28th March 2022

Refreshingly simple

Easy to understand and navigate the website, quickly updated, excellent communication, clear and uncomplicated. Just a pleasure to use . Reviewed on: 28th March 2022

Zopa is a great lender and have helped me improve my credit score

They make the application process easy to understand and most credit types are expected. My personal credit score wasn't the best when I applied butvI was accepted with a low credit limit and after being with them for over 6 months it'd help build my credit rating so they offered an increase which was helpful. Definitely recommend 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

Balance Transfer Credit Card
from Bank of Scotland 4.08 from 13 reviews
Avios Credit Card
from TSB 3.50 from 20 reviews
Credit card (discontinued)
from Wave (inactive) 3.70 from 3 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