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)

Great bank

Applying was real easy and the contact between them and the end user is great. Reviewed on: 26th January 2022

Teo

Easy to get and spend Highly recommended Reviewed on: 26th January 2022

Unique and exceptional service.

A proud holder of Zopa card. Service to customers is super. Reviewed on: 26th January 2022

Amazing

Gives people a chance to better their scores Reviewed on: 26th January 2022

Great service

Using zopa is easy, the customer services is great and responsive. Reviewed on: 26th January 2022

Love them

Excellent service. Had bad credit and couldn't find get a credit card. Zopa came through Reviewed on: 26th January 2022

Excellent Customer Service

Very simple and straightforward application. Zopa lends responsibly Reviewed on: 26th January 2022

Pain free and reasonable banking

Just an easy, pain free credit card with an actual reasonable APR which in this day and age is unheard of Especially when it comes to likes of people like me who are self employed and because of that don’t have the best of credit ratings and normally get stung with high APR cards. Reviewed on: 26th January 2022

Simple and easy

Simple and easy app to use and keep up to date with paymets and spending Reviewed on: 26th January 2022

Good credit builder

Great credit builder and app, lots of useful tips to keep on the right road to creditworthyness 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

Everyday credit cards
from Lloyds Bank 4.06 from 68 reviews
Cashback Plus Credit Card
from RBS 4.08 from 8 reviews
Classic Extra Card (discontinued)
from Capital One 4.08 from 6 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