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)

The best credit card yet

The easiest app I’ve ever used and I always know where I stand with my usage Reviewed on: 26th January 2022

Marvellous Service

1st class service and ease of use is brilliant Reviewed on: 26th January 2022

It is very easy to use and payments are reflected instantly

I have also had issues sometimes with certain payments but the customer service team always help efficiently and effectively Reviewed on: 26th January 2022

Great

Great company and card. Focused on providing a fair service and happy to help with any issues. Reviewed on: 26th January 2022

Amazing!

Aqua have been amazing at supporting me through the whole process! This is the first credit card I’ve ever had and they couldn’t have made it easier for me. And they’re always quick to respond if I ever have a problem! Reviewed on: 26th January 2022

Great and easy

Zopa is a great and easy credit card to use and is so user friendly and great to their customers Reviewed on: 26th January 2022

Quick, Easy, Awesome

The process of obtaining a credit card or loan is super simple. No fuss, no problems. if only all companies operated like this Reviewed on: 26th January 2022

Best card

Very good customer service wr can trust Zopa Reviewed on: 26th January 2022

Great company

Easy to get helpful never had any problems Reviewed on: 26th January 2022

Easy to use customer friendly

Customer friendly app and service happy to help with any queries or questions 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

Credit card
from PayPal 4.70 from 101 reviews
Credit cards
from Virgin Money 3.82 from 813 reviews
Flex Purchase credit card
from Monzo 4.90 from 3186 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