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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44347 reviews)

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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

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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.

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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)

Love this card

Love this card. I use for my beauty treatments. It’s lovely one. Reviewed on: 25th January 2022

Zopa Credit Card (Ideal Credit Score Builder)

I first got Zopa Card because I needed to rebuild my credit score and zopa was recommended on clear score and I thought what do I have to lose, so I have been using them for a little while now and the app control makes managing the Credit so much easier I would recommend their product to anyone that needed it build Credit like me or who just wants and easy managing Credit card Reviewed on: 25th January 2022

Brilliant service cradit card

Good for building ur cradit up and youbcan see how you getting more with the app Reviewed on: 25th January 2022

Amazing

Always helpful and great team Reviewed on: 25th January 2022

Very easy

easy to use, no frills and great service Reviewed on: 25th January 2022

Amazing service.

Easy and hassle free to use. Constant updates on my available lending power and never any trouble. Reviewed on: 25th January 2022

Very quick company in all aspects

Quick to accept application, when paying off your card it’s on there straight away. Haven’t had the need to call for any help. Reviewed on: 25th January 2022

Best credit card for

Zopa helped me build my credit score and was the first to even give me the chance. Reviewed on: 25th January 2022

One of the best credit cards if no the best

I've been with zopa for years never has a problem the interest rates are fair the app is easy to use and unlike some of my credit cards I can freeze my card for fraud prevention Reviewed on: 25th January 2022

All good

Decent interest rates quick service. No problems so far. Reviewed on: 25th January 2022

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