Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

View other Zopa products

4.87

Based on 44,347 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

67% decrease in 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 (44347)

Awesome card

One of the best cards I’ve ever used Reviewed on: 25th January 2022

Amazing!

That’s honestly the best credit card company I had for years! Brilliant! Reviewed on: 25th January 2022

Great card

Nice and easy to use and a great credit card Reviewed on: 25th January 2022

WELL & TRULY PLEASED

ALLWAYS HAVE MY ZOPA CARD WITH ME I BUY MAKE PAYMENTS I BUY MAKE PAYMENTS THATS GREAT ANY PROBS CUSTOMER SERVICES ARE ALLWAYS THERE WHAT ELSE DO WE NEED Reviewed on: 25th January 2022

Fast payment updates

When you pay Zopa it shows in the app within hours unlike all my other cards which takes days to show. Reviewed on: 25th January 2022

Money

Easy and safe to use...simply payments Reviewed on: 25th January 2022

Extremely satisfied customer

I have found the ZOPA credit card refreshing to use. It literally is a "no hassle" card and what I love most about it is that the moment I pay into it the money is registered immediately (unlike most cards) and if I wanted to use the money paid in, it is immediately available. Reviewed on: 25th January 2022

Excellent credit card

Awesome service, easy to use app, brilliant for improving your credit score, what more could you want!! Reviewed on: 25th January 2022

Good service and very helpful

Zopa give good advice on your finances and explain things easily so it's easy to understand Reviewed on: 25th January 2022

Easy to use app

Fantastic app for card. Easy to use and keeps you up to date with everything. Great 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

Black Diamond Visa
from Vanquis 4.21 from 10 reviews
Credit card
from ASDA Money 3.12 from 110 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.16 from 60 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