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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

one word excellent

I have had my credit card for a while and I always get messages if I'm near my limit, and also for special offers. Great compony Reviewed on: 26th January 2022

Brilliant Service

It was so quick and easy to apply, my card came within a few days and the service has been great so far. I would definitely recommend Zopa to family and friends. Reviewed on: 26th January 2022

Great card Great App

Easy to manage, there when you need it. Nice alerts from app when you use the card. Love it. Reviewed on: 26th January 2022

Top notch!

As credit card providers they are the best in their field completely reliable and very easyl to access and use the app. I would recommend zopa to anyone. Reviewed on: 26th January 2022

Most helpful banking app

Zopa has been brilliant in aiding me to build my credit score and improve my banking skills. Reviewed on: 26th January 2022

The Best

From my opinion is the best credit card Reviewed on: 26th January 2022

My summary

Excellent customer service and easy to use app from start to finish. I enjoy being able to get on the app and check my balance and pay my bill. Well done Zopa Reviewed on: 26th January 2022

A must have credit card

A credit card for those looking to build their credit score, or in a bit of a pickle with bad credit, this company will give everyone a fair shot, I got it as it’s a great company to increase credit score, and I recommended it to a close friend who hasn’t got a great credit score to get the ‘big companies’. Both of us have been over the moon with the service and simplicity of it all! Thank you! Reviewed on: 26th January 2022

One fo the best cards

It was very easy to apply for a Zopa card. The app is fit for purpose and customer service is very good. Reviewed on: 26th January 2022

Keeping control made easy

This card and app make it easy to use and stay on top of things..When you buy.. Ping.. Its off the available balance.. When you repay.. Ping.. Its back on the card.. No waiting for weeks. I love it.. Its the best Ping! 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

Opus Credit Card
from NewDay 4.03 from 3 reviews
Balance Plus
from Capital One 4.20 from 4 reviews
Platinum Cashback Credit Card
from American Express 4.35 from 70 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