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)

Bestie

Great interest rates also very helpful they remind you when a payment is due so you never get late payment fees Reviewed on: 25th January 2022

In house credit

It seems like someone from the household is willingly providing assistance when in need. Reviewed on: 25th January 2022

Excellent service

Excellent company never had any problems Reviewed on: 25th January 2022

Excellent banking product

Easy to use low interest. App works without a fault. Constant know where you are. Love the push alerts Reviewed on: 25th January 2022

Great service easy application

Rate shown before applying with clear acceptance before applying. Easy to use app Reviewed on: 25th January 2022

Simple-user friendly, easy application

When I thought i would not be given any credit but Zopa did. Reviewed on: 25th January 2022

Great service

Easy to deal with, App is so easy to use and keep up-to date with your finances…. Reviewed on: 25th January 2022

Great credit card company

Easy to use app, and company is great to deal with. I love the additional app features like payments showing instantly and credit cushion. Reviewed on: 25th January 2022

amazing

awesome company card payments instant would highly reccomend Reviewed on: 25th January 2022

Simple way of borrowing

Zopa is a simple way of borrowing, without any bully tactics and a friendly easy app to use 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

Clear Rate Platinum Credit Card
from NatWest 3.90 from 21 reviews
Instant pay
from Incredible 4.61 from 28 reviews
Gold Card
from first direct 4.23 from 9 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