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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)

Good for money

Good for money problem very good Reviewed on: 26th January 2022

very happy and easy to apply for

highly recommended easy to apply for and fast delivery Reviewed on: 26th January 2022

Understand Current circumstances

Firstly, I would like to thank Zopa for offering me credit card. Zopa looks at individual current situation and offers credit card accordingly. I had leukaemia back in 2016 and I lost my all my credit cards ended up having defaults on my credit history which means I can’t obtain credit anymore because I will be risky customer however, I have paid back every single penny I owed as soon as I recovered from cancer. Zopa understood my problems and looked at my current financial situation and offered me amazing credit card which I am planning to use forever. I would like to see them top credit card providers in the UK because there are so many people which had defaults on their account due to family or health issues which creditors don’t consider. Keep your good work Zopa Deepak Sharma Reviewed on: 26th January 2022

Great card

Love the card, love the way that when you make a payment off the card the funds are available again instantly unlike some other cards where it takes 2 working days, used it while on holiday and had no charges, great way to build up your credit rating.. Fantastic customer services.. Reviewed on: 26th January 2022

Excellent

I love zopa card I have it for over a year now and never had the slightest problem Reviewed on: 26th January 2022

Excellent credit card

Excellent card with excellent service. Reviewed on: 26th January 2022

if there were bonus points it would be wonderful!

easy to order and use. Immediate update day spending and full control of spending by the app. If it had a bonus or some points/cashback system it would be perfect. Reviewed on: 26th January 2022

Excellent Product

Excellent product. Easy to use, would highly recommend to friends and family. Reviewed on: 26th January 2022

Brilliant

Great credit card brilliant friendly service Reviewed on: 26th January 2022

Fantastic

Good, old fashioned customer service Reviewed on: 26th January 2022

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