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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)

Feels Like Real Finance

The only card I have that seems like it wants to work with me. Kudos. Reviewed on: 28th March 2022

Best credit card company ever

Honestly, the best credit card I have ever had. Easy to use the app and they actually care about you not just money! Fantastic for anyone who is looking to build their credit score! Thank you Zopa! Reviewed on: 28th March 2022

My experience

They are very friendly and answer very quickly Reviewed on: 28th March 2022

Excellent and easy to use App

Easy application and excellent App Reviewed on: 28th March 2022

Easy to use and clear

The app is really easy to use. Clear balance and scoring Reviewed on: 28th March 2022

Help me when others wouldn't always willing to lisen

Been able to improve my credit score Reviewed on: 28th March 2022

The best communication with customers!!

The best communication with customers!! Reviewed on: 28th March 2022

Perfect and easy to maintain

I was sceptical about getting another credit card but zopa made it super easy and clear to understand and manage. The application process was quick, clear and made me feel like I was in control. The app helps me manage my usage on a daily basis and helps me understand my money better. Couldn’t ask for a better service. Would recommend in a heartbeat. Reviewed on: 28th March 2022

service

very quick allocation of funds when payment is made Reviewed on: 28th March 2022

Easy to apply, good rates

Application was quick and easy, card came quickly also. Reviewed on: 28th March 2022

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