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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 credit card provider 2025

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

Zopa Credit card reviews (44348)

Straight forward

This credit card is by far the best i make payments they clear almost straight away which is brilliant also allows you to have a safety net put aside its reasonable lending with clear terms and conditions and the layout of the app is straight forward decisions on being accepted was quick super happy Reviewed on: 17th March 2021

Quality finish

Easy to use. Simple app and easy to use Reviewed on: 17th March 2021

Absolutely fantastic service

Since signing up to Zopa it controls my spending and gives me a realistic credit level .Easy to apply for and really great to keep control of Reviewed on: 17th March 2021

Excellent all round

They are sensible with their lending, their app is easy to use and their communication is excellent. Reviewed on: 17th March 2021

Great service

Easy to use and great app. I found the whole process very quick Reviewed on: 17th March 2021

Best Credit card ever!

Imagine a traditional credit card but provided by a fintech! Best experience yet! Reviewed on: 17th March 2021

Great card

Great company and the card is brilliant Reviewed on: 17th March 2021

Excellent card

Easy to use app, great customer service and useful info to manage your credit score Reviewed on: 17th March 2021

New customer

Good experience, very happy with the sevice and customer service Reviewed on: 17th March 2021

excellent

Iv enjoyed the service and would recommend to everyone Reviewed on: 17th March 2021

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