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)

Simply fantastic

Easy setup and quick decision. Cant fault it really. Comes in handy Reviewed on: 17th March 2021

Really good card

The app is really good semple to use alot better than most out there Reviewed on: 17th March 2021

Credit Card

Really good credit card. When you pay the bill it is almost instant to uodate on the app. Really gladcI took this card. Reviewed on: 17th March 2021

The best

The best bank is definitely zoopa Reviewed on: 17th March 2021

There when I needed you most!!!

Zopa came along when I needed them most, it has been a very useful card to have and the feature of the safety net is wonderful meaning I never use more than I bargain for! Well done Zopa Reviewed on: 17th March 2021

Great Credit Company

So easy to sign up for this Credit Card. Easy to manage. Good way of boosting a poor credit score Reviewed on: 17th March 2021

Very helpful

Very helpful to have as a back up and brilliant for people with bad credit to get back on the straight and narrow Reviewed on: 17th March 2021

Great card

Does what you want simple Good on line app great service Reviewed on: 17th March 2021

It just works

I've had this card for several months now and it just works, no fuss no hassle just plain and simple up front fees, definitely worth getting. Reviewed on: 17th March 2021

Good and convenient.

It's a simple way to borrow and to increase your credit score. The interest rate is reasonable for this kind of credit card, and the app is very straightforward and easy to navigate. Reviewed on: 17th 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

Platinum credit cards
from Barclaycard 4.12 from 335 reviews
Credit card
from Chase Bank 4.81 from 383 reviews
Purchase Credit Card
from Halifax 3.48 from 19 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