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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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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

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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 (44348)

Excellent

Easy to use, great company, a must have credit card Reviewed on: 16th April 2021

New credit card

Prompt service card here easy to set up Reviewed on: 16th April 2021

Great service

They gave me a chance when no other companies would they don’t charge any interest as long as I clear my balance each month and it has helped my credit score I’ve had no issue with them Reviewed on: 16th April 2021

Fabulous service

Payments come straight off. Great way to keep up to date Reviewed on: 16th April 2021

Gave me a chance when others wouldn't!

Iv been trying sort my financial position for a while now and whilst my credit score wasn't reflecting the work and payments I was putting into my credit file, Zopa credit card has given me the chance to prove I am a credit worthy customer. I use my card to help build my score and then help with end of month cash flow. When my limit is substantial enough I would use my card for my larger purchases rather than daily spending. Thank you and bottoms up to a long future with Zopa and your other services. Reviewed on: 16th April 2021

Easy, friendly, great credit builder

It was easy to sign up, the staff are friendly, the app is really clear. It's a great card to help build your credit score. Reviewed on: 16th April 2021

Helping

Very good card provider to know how much can borrow and to increase credit history. Reviewed on: 16th April 2021

Mrs

Great credit company , quick service Reviewed on: 16th April 2021

amazing xx

love the app so easy and clear,love it Reviewed on: 16th April 2021

Amazing from the start

Honestly not got the best credit score, is helping me loads! Brilliant company best I’ve seen Reviewed on: 16th April 2021

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