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 happy

I joined because I had hardly ever had credit, I still don't have an overdraft. it was easy for me to use and set up and I have mental health and I am also disabled. I feel safe using this card because I am not very good with modern technology, basically I am computer illiterate! but I can work the online app on my phone. I really like the customer service on the phone swell and the reminders to make sure my bill is paid Reviewed on: 27th February 2022

Easy and convenient

Very easy to use and always know the balance Reviewed on: 25th February 2022

Outstanding service

Everything was clearly explained upon apication. Statements clear and easy to understand, payment process so easy. Reviewed on: 23rd February 2022

The best

One of the best cards I have had customer service is second to non Reviewed on: 22nd February 2022

Amazing

Brilliant customer service skills very good at helping you with your finances Reviewed on: 20th February 2022

Crap

Information inaccurate misleading and contradictory they never review the credit limit but love to shove there products in your face I really can't recommend this credit card they simply lie to you saying your not eligible to there products when my credit score says otherwise and have loads of offer elsewhere I will give this credit card until May then I will cancel if nothing changed Reviewed on: 20th February 2022

The best choice!!!

very fast card service, account balance automatically updated payments and withdrawals, pay it anywhere and without high costs Reviewed on: 18th February 2022

Brilliant service

Can’t speak highly enough! Excellent service, great payment options, stress free. Would definitely recommend to others with poor credit that are looking for a way of building up a credit score Reviewed on: 17th February 2022

excellent servicr

very good & fast service app also easy to use Reviewed on: 16th February 2022

Excellent company

Zopa take in to account your circumstances and don’t let you borrow more than you can afford, great customer service. Easy process with instant decision Reviewed on: 16th February 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

Credit card (discontinued)
from Tandem 4.65 from 358 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.08 from 13 reviews
Purchase credit cards
from MBNA 2.81 from 196 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