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)

Great app!!!

Very nice to be with Zona!!! I love this bank! Reviewed on: 18th March 2021

Desperate for credit????

I’m grateful that I was able to get this card for £300 credit however, Zopa told me that they wouldn’t be upgrading mine or anyone else’s account for higher credit , so if you’re wanting to build a credit rating and expand on Zopa credit in time then you’ll be disappointed. I was hoping to show my commitment and prove that I’m a good customer and in return have my credit upgraded gradually. Unfortunately I was wrong. Reviewed on: 18th March 2021

Best and organised

Since been with zopa it's well organised and the app is brilliant so you know what your spending and keep up to date with your statements. Reviewed on: 18th March 2021

dear Team, I would like to inform you your company is very amazing

I impressed your company. Your company staff and all perfect easly contact and all good. Reviewed on: 18th March 2021

My Review

Easy application with instant decision Reviewed on: 18th March 2021

Zopa

Brilliant card..the app is easy to use and the fact that it doesn't take 2 days for payments to clear unlike other cards is a real bonus. Well done Zopa Reviewed on: 18th March 2021

Out standing service

Good experience and excellent service Reviewed on: 18th March 2021

I am happy with their services

It is a good bank, the service is good Reviewed on: 18th March 2021

Zopa card

Bit slow to offer credit increase but that’s understandable overall very good Reviewed on: 18th March 2021

Everything to hand at the simple use of an app

The app is so easy to use!! Instant notifications and updates! Great customer service! Reviewed on: 18th March 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

Everyday spending credit cards
from Halifax 4.38 from 75 reviews
Partnership credit card
from John Lewis 2.06 from 899 reviews
Platinum credit cards
from Barclaycard 4.12 from 335 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