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Zopa: Credit card 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
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
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0%
See only 1 star reviews
0%

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
Gary Keaney's avatar
Gary Keaney

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026
Rita P's avatar
Rita P
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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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Zopa Credit card reviews (44348)

good service

5
very good service and good interest rate Reviewed on: 15th April 2021
Carol Lewis's avatar
Carol Lewis

The best

5
Bad experience, I'm sorry guys but I still can't to use my credit card Reviewed on: 15th April 2021
Alexandru Nistor 's avatar
Alexandru Nistor

Easy onboard, great app

4
I got my credit card via being made eligible from Credit Karma. Hit ‘offers’ in credit Karma, saw I was eligible, transferred to Zopa, completed application and got response straight away.....took about 10 minutes which was great! App account was set up straight away which was fantastic! Credit card arrived within 3 days....even better! App has great feature to advise if you’re eligible for a loan and uses iconography (happy/sad faces) based on credit report so easy to get a view and no jargon. All in all it’s was just very straightforward, quick and got all I needed in less time than I expected Reviewed on: 15th April 2021
Phil Horsham's avatar
Phil Horsham

Smart, handy and fair

5
I've found zopa to be a great little card to help with those purchases needed till payday with fair rates and all round great customer service and the app just makes it easier to use and understand Reviewed on: 15th April 2021
Richard moreton 's avatar
Richard moreton

Simple and good

5
Simple and good. No fuss and straight forward to understand. They also give some nice info on things. Reviewed on: 15th April 2021
Emmanuel Palmer's avatar
Emmanuel Palmer

Review

5
I have worked all my life and had my own business until recently when I hit rock bottom I had barely any money to pay bills or even feed my children when zopa stepped in and helped they said yes made payments controllable and affordable for me and kept me going until my situation changed which thankfully it has Reviewed on: 15th April 2021
Sarah's avatar
Sarah

Excellent service

5
Excellent and efficient service Reviewed on: 15th April 2021
Abg's avatar
Abg

Excellent service

5
This has to be one of the best service I've have dealt with as a customer. They are polite and help without being rude. They treat you like a valued customer which is how it's meant to be. Reviewed on: 15th April 2021
Helius Andreas 's avatar
Helius Andreas

Excellent

5
Been brilliant always absolutely Reviewed on: 15th April 2021
Craig Redmond 's avatar
Craig Redmond

Mr Vimalendran Sathyendra

1
Bad I won’t recommend any one please try different credit cards Reviewed on: 15th April 2021
Thamby Vimal's avatar
Thamby Vimal

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