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)

Zopa credit card

Very very easy to use app makes this credit card one of the best to use! Reviewed on: 26th January 2022

Easy and best app!

Zopa makes my banking really easy than other banks. It’s wanted I needed from banking company. Reviewed on: 26th January 2022

Very efficient

Very efficient and easy to use as well as secured security features when login into your on line account. Reviewed on: 26th January 2022

Really good

Really helpful always there when I need it easy to talk to Great company Reviewed on: 26th January 2022

Great company to deal with

A great company to deal with and I highly recommend it. Reviewed on: 26th January 2022

Excellent

Fantastic they was the only ones who helped me out with credit wen needed i come out of work after 21 years n these were the only ones wantting to help bring my credit rating up Reviewed on: 26th January 2022

Fantastic

Great cc company reasonable rates and excellent customer service Reviewed on: 26th January 2022

Excellent credit card

Best credit card I have had and the app is easy to navigate and stay on top of your spending also has a good APR Reviewed on: 26th January 2022

They gave me a chance

I've not been able to get accepted for a credit card for a couple of years now because I have a few issues with my credit file from mistakes I made when I was young and new to credit. However, when I checked my offers on clearscore, it said I was pre-approved for a zopa credit card. So, I applied, not thinking I'd actually get approved but I did! It was only for a £200 limit and the interest is fairly high, HOWEVER, I have paid all balances off in full every single time so I've not paid any interest. The app is very simple to use and if I ever have an issue, you can contact and advisor straight from the app which is an absolute time saver and stress-free option. The only thing I wish would change is the option to apply for a credit limit; currently, zopa review your account (once a year I believe) to see if you basically deserve a credit limit increase but I would find it so much better if we could apply for a limit increase manually. Reviewed on: 26th January 2022

Easy to Manage

I have found Zopa extremely easy to manage with the app and payment system. Notification like a bank account when a transaction has been processed. Fantastic service and manageable. Reviewed on: 26th January 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

Classic Credit Card
from Bank of Ireland 4.09 from 6 reviews
Credit Card
from Shop Direct 4.23 from 6 reviews
Credit Card
from Tymit 4.62 from 155 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