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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)

No problems

I have never had an issue with them so far Reviewed on: 28th March 2022

Outstanding

The customer service is excellent. The credit card is brilliant, the application is easy to use. Reviewed on: 28th March 2022

Easy to use and good value

Simplest Credit card I have ever had Reviewed on: 28th March 2022

A massive thumbs up

I have held my Zopa credit card for a couple of years now and it has been an excellent tool in improving my credit rating. The APR was quite low compared to other cards I was offered at the time. I absolutely love the app as when paying off the credit the updated balance is instantaneous. Reviewed on: 28th March 2022

Simple to use

The zopa credit card is excellent and the app is simple to use and understand. Communication from Zopa is clear and concise. Would definitely recommend Reviewed on: 28th March 2022

Very helpful team

I've never had a problem speaking to zopa, always friendly and ready to help. Zopa is amazing. Reviewed on: 28th March 2022

Very Good company

Excellent services and nice people. Reviewed on: 28th March 2022

Best overall

Best credit card all-round never had an issue using my card either in store or online and making payments is super simple and immediate Reviewed on: 28th March 2022

Great features

Cut my WiFi bill down to a 3rd of the price I was paying by using zopas features Reviewed on: 28th March 2022

Great card fab service

Great card , always good customer service. Very easy to use/understand app Reviewed on: 28th March 2022

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