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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 banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

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

Zopa Credit card reviews (44348)

Just love it.

From the first moment I have applied for Zopa credit card I was pleased with everything, really. It was very easy to apply for, the answer came in a matter of minutes (or maybe just seconds), the amount I was awarded it's decent to make a significant purchase (not just one or two hundred pounds with ridiculously high interest rates) and the interest rates seem fair to me, based on what other companies charge. So, I'm a very happy client with all the efficacy and simplicity that Zopa works and make things happen. Reviewed on: 23rd April 2025

As always, easy to use and great app

As always, easy to use and great app Reviewed on: 23rd April 2025

Zopa is the best credit card of Uk like American Exp...

Zopa is the best credit card of Uk like American Express Reviewed on: 23rd April 2025

Zopa is a good card it helps get...

Zopa is a good card it helps get credit score up Reviewed on: 23rd April 2025

My card was issued quickly?

My card was issued quickly? I have been able to use the card everywhere and setting up payments was easy. I can pay over the recommended amount at any point. The app is simple to use. Reviewed on: 23rd April 2025

Tried helping with a understanding dispute

Tried helping with a dispute very helpful Reviewed on: 23rd April 2025

Five star review

Great service - brilliant card to help credit score Reviewed on: 23rd April 2025

Brilliant company with excellent customer service an...

Brilliant company with excellent customer service and no micro management Reviewed on: 23rd April 2025

Better treatment than so called bigger cards

Exellent service, always happy to help, always to the point with no confusing jargon. A pleasure to use their products. More than happy to discuss and resolve issues, no long waiting for calls, always go the extra mile to solve a problem. Reviewed on: 23rd April 2025

A good card to get my money back in good...

A good card to get my money back in good shape Reviewed on: 23rd April 2025

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