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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)

Very good and helpful

I found it hard to get credit because of bad credit and the trusted me and helped highly recommend Reviewed on: 26th January 2022

Zopa convenient credit

Great experience with zopa very good app which is easy to use along with emails keeping me as the customer up to date would highly recommend Reviewed on: 26th January 2022

Great card and service

Zopa are a great card and service Reviewed on: 26th January 2022

Great for getting an affordable card

I'm happy with thus company. It was suggested on Clearscore, and I was a accepted. Try it for yourself. You won't be disappointed. Reviewed on: 26th January 2022

Totallly reliable

Great customer service and online app easy to use and no hidden charges. Reviewed on: 26th January 2022

Great Service Zopa

I am a new customer to Zopa since Sept and i have had great service and easy guide to logon on line to check my statements etc, Great company to deal with, Reviewed on: 26th January 2022

excellent credit card

I have been using zopa for a couple of months now and my credit rating is going up every month its so easy to keep account of Balance with stright forward app. Reviewed on: 26th January 2022

Good credit card

Excellent experience, and check scores. Reviewed on: 26th January 2022

Simple at its finest

Zopa is simplicity at its finest. No pressure to up the limit of credit or issues when using the card or even the online service. Everything is formatted in a simple yet very affective way, you have the ability to see where you can improve on credit, the online system is structured in a way where you don't need any advice on how to use it, zopa delivers on every promise and seems to have the user at the heart of what they do. Reviewed on: 26th January 2022

Great help rebuilding my credit

Thanks to Zopa I'm well on my way to rebuilding my credit status. I wrecked it it a couple of years ago and thanks to the advice, a nice simple app and some sensible spending I'm doing OK again. Nice one Zopa, cheers Reviewed on: 26th January 2022

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