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)

Brilliant card

Very straight forward never had a problem Reviewed on: 25th January 2022

Best ever credit card company

Zopa are a fantastic company, the app is great and easy to use. Any payments you make are shown instantly unlike other company’s, increases are offered regularly when you’ve proved you can manage your money and payments. I really can’t fault this company, thank you Zopa you really have helped me improve my credit rating, you have me for life ❤️ Reviewed on: 25th January 2022

The best

The best banks ever Good service Reviewed on: 25th January 2022

Best customer service

I barely ever wrote reviews but I use Zopa for car finance and have a credit card with them, they answered all questions I had. Reviewed on: 25th January 2022

Great service and app

So easy to keep track of spending with instant alerts. Great for people constantly on the go and short of time. Reviewed on: 25th January 2022

Brilliant company and app!

The app is so easy to use and good for reminding when to make a payment, my starting credit was reasonable and has helped my credit score! Reviewed on: 25th January 2022

Excellent

Excellent very happy with them would definitely recommend them !! Reviewed on: 25th January 2022

Really easy to use and build credit

Zopa gave me an opportunity when my credit score was low. The app is so easy to use and keep track of payments etc Reviewed on: 25th January 2022

Fresh and brand new approach to Credit use

Im so happy being a Zopa customer, they are fab at helping me build my credit and manage my account online. I can pay back at any time via the app and see my useage and monitor my affordibility. Reviewed on: 25th January 2022

Top company

Best card service i've used. Low rates & helpful support. 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

Credit card
from Chase Bank 4.81 from 383 reviews
Credit builder card
from thimbl. 4.41 from 18 reviews
marbles credit card
from NewDay 4.36 from 543 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