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 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)

Way access and full information available

Way access and full information available Reviewed on: 17th January 2025

Zopa excellent credit card

All good excellent experience and all transactions are real time Reviewed on: 17th January 2025

It great.

It great. I am enjoying flexible payments. Reviewed on: 17th January 2025

To good to be Ture

Amazing great people very helpful Reviewed on: 17th January 2025

Zopa brilliant

Zopa has an easy to use app where you can do anything ie pay bill keep an eye on your spending you can even link your bank account Reviewed on: 17th January 2025

The application process is smooth and decision is gi...

The application process is smooth and decision is given fairly quickly. The limit I believe was very fair as well. Very good app and reasonable interest rate. Overall, very happy with Zopa. I now have a bank account with them as well. Reviewed on: 17th January 2025

You are more than just a credit score with Zopa

I am more than happy with Zopa who entrusted me with credit and treated me as a person and not purely on my credit score. Made me ecstatic, finally I was in a position to be able to get my poor credit history back on track to recovery Not only that, they continually provide useful tips on how to improve your credit score by regularly reviewing your account and providing relevant information to you .via their user friendly app Reviewed on: 17th January 2025

It been very easy talk to zopa for anything credit r...

It been very easy talk to zopa for anything credit related matters.and instantly approved or rejected. Reviewed on: 17th January 2025

Good so far

It's been good so far, I have no complaints at this time. Reviewed on: 17th January 2025

Great experience, I would highly recommend this to a...

Great experience, I would highly recommend this to anyone who is interested in this and would like to know more about the process of getting started with this product. Reviewed on: 17th January 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

Nectar Credit Card
from American Express 3.32 from 14 reviews
Select Credit Card
from Nationwide 3.62 from 13 reviews
Credit cards
from Virgin Money 3.82 from 813 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