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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 service

From the moment I applied I was given 100% attention, brilliant Reviewed on: 28th March 2022

Great Credit Card!

I use my Zopa card everywhere I go! Real time updates and instant payments when clearing your balance. I recommend this credit to anyone that needs to rebuild their credit & wants excellent customer service at the same time. Reviewed on: 28th March 2022

Great in everyway

Great customer service, not to long on the phone, get back straight away. Reviewed on: 28th March 2022

A responsible and responsive organisation

Zopa has in the past through loans and now through recent approvals of a credit card, kept me consistently (and in real time) up to speed with my spending. This is fantastic in itself but the APR is also more competitive than other banking organisations. As much as one can say… I do believe that there are some ethical foundations that are driving Zopa. I enjoy the simple and intuitive APP that immediately informs of a spend, what my credit availability is and holds a reserve fund for ‘unseen’ needs. Impressed so far. Reviewed on: 28th March 2022

Just makes the difference

Easy to apply for. Easy app easy to pay. Reviewed on: 28th March 2022

Easy to understand

The whole application process was extremely well informed and communicated. The app which I use to manage my card is full of features to help me maintain my credit. Very happy with Zopa. Reviewed on: 28th March 2022

Great credit card provider

I have been with zopa for a little while and have never had an issue.. they are an amazing credit card provider.. I have no complaints Reviewed on: 28th March 2022

Awesome

Just great! Makes everything so easy when you are a self-employed Reviewed on: 28th March 2022

Excellent Service

Great, easy to use. Quick and easy to use the App. Forget the rest just go to the best. Reviewed on: 28th March 2022

Makes life easier!

Easy to set up and easy to use. Good low amount credit card for general use! Reviewed on: 28th March 2022

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