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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)

They gave me a second chance

After making some bad financial decisions in the past i found it hard to find credit, but zopa gave me a chance and know im on track in rebuilding my credit score, also the app is easy, simple and helpful Reviewed on: 26th January 2022

Happy Card Happy Man

New to using zopa An very happy with it up to now No complaints from Me Reviewed on: 26th January 2022

Good clear app, able to read easy and find what you want

Prompt reply to any rnqui8. Just a great credit card all round. Reviewed on: 26th January 2022

Very easy to keep track of sprnding

Excellent card to use, brilliant app, easy to track spending and payments Reviewed on: 26th January 2022

Great

This credit card is a great card an would highly recommend this to anyone. Reviewed on: 26th January 2022

Fantastic

Fantastic service, customer service also great, would highly recommend to friends and family Reviewed on: 26th January 2022

Great Service

Never had any issues with this credit card company! Easy to pay, easy to navigate on their app! No complaints :) Reviewed on: 26th January 2022

Perfect!

ZOPA is so friendly and easy to use! Reviewed on: 26th January 2022

Excellent Credit Card for building your credit!!!

I have tried a few different credit cards to try and improve my credit and also support me with managing my spending. Zopa have by far been the best, not only have I seen my credit score improve but I am managing my money better, using the alerts when I spend on the card which also helpfully, provides you with the remaining balance. Excellent card and would definitely recommend. Reviewed on: 26th January 2022

Best Credit Card

This is the best credit card that I've had Reviewed on: 26th January 2022

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