Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 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

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 credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Reliable and trustworthy

Responsible lender. Gives a reasonable limit and good rates. Super fast updates ad friendly user app Reviewed on: 7th April 2021

Excellent service

Easy to understand and use best I have ever encountered Reviewed on: 7th April 2021

A modern day card

A card that meets your needs, easy to manage and operates how you need a card t operate in this day and age! Reviewed on: 7th April 2021

Perfect credit card

Great experience with this card customer service great as well Reviewed on: 7th April 2021

Good

Very good bank work....very good rates on creditcards,and also bank app works really good Reviewed on: 7th April 2021

No issues

I have had my card for a few months, no issues credit is an easy manageable amount Reviewed on: 7th April 2021

Easy apply

Very happy with zopa, it was easy to apply, and not had any problems with them Reviewed on: 7th April 2021

Very happy with service so far

I have had no issues with the app, my credit card and have been really satisfied with the service received. Thank you Reviewed on: 7th April 2021

Helpful, friendly and highly recommended

Zopa have always been a great help. My credit rating hasn’t always been great but they are helping me to improve this Reviewed on: 7th April 2021

Excellent Credit Card and App

Excellent app that allows you to manage your account and possibly improve your credit score Reviewed on: 7th April 2021

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

Credit cards
from Virgin Money 3.82 from 813 reviews
American Express Credit Card
from American Express 3.73 from 120 reviews
Credit Card
from Bank of China (UK) 4.12 from 2 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