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)

Mr.Virgilio Joseph Pereira

Excellent Bank & Excellent Customer Service. Highly Recommended. Best Bank Ever. Reviewed on: 25th January 2022

Awesome

Zopa is a great credit card provider, easy to use app ,really 1st class ..well done Zopa Reviewed on: 25th January 2022

No hoopers with Zopa

Easy to apply for, with user friendly app and a card which is acceptable everywhere. I would definitely recommend anyone to Zopa Reviewed on: 25th January 2022

Better than most high street banks

Zopa offer a variety of financial help and easy to follow steps and helping people get a good financial foothold Reviewed on: 25th January 2022

Super Service

No problem at all!Easy to apply and super app. Reviewed on: 25th January 2022

Fair

Great assessment of my financial situation. Even when I have had a loan refused, I look back and agree that they made the correct decision for me at the time. Responsible lenders are a ‘credit” to the industry. Reviewed on: 25th January 2022

Not the best but not the worst

The app is easy to use it keeps you updated on your spending and balance and is also easy to pay balance at any time, only downside to them is they only check your usage once a year to see if you are eligible for any increase in credit, where as most others review accounts 3 or 4 times a year. Reviewed on: 25th January 2022

Fabulous

Easy payment, informative and intuitive. Reviewed on: 25th January 2022

:) Very good easy

Very good easy to get, easy to use and straightforward. Brilliant Reviewed on: 25th January 2022

Zopaaaaaaaaaa

User Friendly App, payments are credited swiftly to Zopa account on same day. Contactless. Reviewed on: 25th 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

Aquis Card
from Vanquis 4.48 from 44 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Platinum credit cards
from Barclaycard 4.12 from 335 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