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)

Straightforward, easy credit!

A great provider for a buffer whenever life hits you with the unexpected. I like how simple the app is to make additional payments, the option to manage your credit limit and all the FAQs needed whenever you need to know something is all easily layed out. Reviewed on: 25th January 2022

Easy and great

Easy to use app. Great service all round. No issues. Would highly recommend Reviewed on: 25th January 2022

Great!!!!!!!

Nice people honest and transparent. Reviewed on: 25th January 2022

Great company

Zoopa are great, no hassle and straightforward Reviewed on: 25th January 2022

Outstanding Service

Everything has been perfect & easy to use since I joined. Reviewed on: 25th January 2022

Customer friendly & focussed

Everything about Zopa has been ‘easy’, navigating through the website/app has been a breeze and all important information is at my finger tips. Everything is transparent and customer focussed. Reviewed on: 25th January 2022

Greatest bank on earth

I’ve Been using Zopa for a year now and find the card and the app really easy to use, when paying the money back on the card it’s instantly paid and ready to use again, most cards you have to wait a week before it shows on your balance Reviewed on: 25th January 2022

Zopa a breath of fresh air!

I really lie Zopa and can recommend my experience with, I had poor a poor credit score and applied to them and since becoming a customer I have gained their trust and my credit limit and credit rating have both increased, so a win-win. Reviewed on: 25th January 2022

Amazing

Well I’ve never bin good with saving money but I was offered a credit card which is a big help and they have no offered a smart saver which is linked to my account to save for new car rainy day funds so every little spare change I have goes towards and I’m now seeing the rewards Reviewed on: 25th January 2022

Helping hand

My credit rating was poor and was in dire straights.. Zopa really helps me keep on top of my spending and also helps me stay on track. My life saver x 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 M&S Bank - Marks and Spencer 3.70 from 206 reviews
Aqua credit cards
from NewDay 4.71 from 3313 reviews
Credit card
from Vanquis 4.39 from 598 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