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)

Good app works well easy to navigate and use

Good app works well easy to navigate and use Reviewed on: 28th February 2025

Generally positive

Generally positive except for trying to transfer a balance from a Zola card to another provider. Reviewed on: 28th February 2025

Brilliant service

Went over balance. By mistake. Going to charge a fee of 12.oo pounds.rang customer service. Explained what happened listened to what i had to say and refunded me the 12.oo pounds fee Reviewed on: 28th February 2025

Zopa was so easy to apply never had any issues with...

Zopa was so easy to apply never had any issues with them great company Reviewed on: 28th February 2025

I HAVE ENJOYED IT SINCE I STATRED USING THEM

I HAVE ENJOYED IT SINCE I STATRED USING THEM Reviewed on: 28th February 2025

I have had zero issues dealing with Zopa.

I have had zero issues dealing with Zopa. Reviewed on: 28th February 2025

Zopatastic credit card

Great service. Good for building credit score. Balances are quickly updated in the app. Interest charged is highly competitive Reviewed on: 28th February 2025

HELPFUL AND GREAT SERVICE

Always there to help when needed. Reviewed on: 28th February 2025

Brilliant

Amazing credit card easy to use and I love the app Reviewed on: 28th February 2025

Zopa is a excellent company!

Zopa is a excellent company!! Customer service are always understanding and deal with any issues fast and efficient and politely. I had fraud on my card and payments was not allowed to be taken and I was contacted immediately and I was sent a new card without any delay. Reviewed on: 28th February 2025

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 Credit Card
from Santander 4.17 from 25 reviews
Instant pay
from Incredible 4.61 from 28 reviews
Cashback Plus Credit Card
from NatWest 4.53 from 68 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