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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)

Great company do deal with.

Great company do deal with. Great service, responsible lender, great app, couldn’t ask for more if it comes to credit card supplier. Reviewed on: 28th February 2025

The best Zopa credita.

Extremely helpful, competent Staff.. Nothing can prevent them solving your problem. .Always polite, We always use first names. I have recommended Zopa to many friends .i always pay balance of my spending by the end of every month, Reviewed on: 28th February 2025

Awesome card and application ,really helped me

Awesome card and application ,really helped me Reviewed on: 28th February 2025

Very good and professional always help

Very good and professional always help Reviewed on: 28th February 2025

Great! Thank you

Great, thank you, I recommend Zopa to everyone Reviewed on: 28th February 2025

Easy to use good support easy to make repayments

Easy to use good support easy to make repayments Reviewed on: 28th February 2025

The card offers several benefits, including no forei...

The card offers several benefits, including no foreign transaction fees, no annual fee, and up to 56 days interest-free on purchases. It also features a "Cash Cushion" that allows users to set aside part of their credit limit for emergencies. However, it's important to note that the card comes with a representative APR of 34.9%, which is higher than average. This rate suggests it may be more suitable for individuals looking to build or improve their credit scores. In summary, the Zopa Credit Card is well-regarded for its customer service and app functionality. While it offers several attractive features, potential applicants should consider the higher interest rate and assess whether it aligns with their financial needs. Reviewed on: 28th February 2025

No hassle perfect service easy to use excellent app...

No hassle perfect service easy to use excellent app and payment service no hassle payments and very secure site Reviewed on: 28th February 2025

This credit card is great.

This credit card is great. Easy to use with the app also have loans and other products. Really happy with Zopa. Reviewed on: 28th February 2025

Cracking app and offerings

Cracking product range and easy to use app that's quick and snappy. Great security on the credit card too. Reviewed on: 28th February 2025

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