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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)

Credit enhancing and free use abroad

Card enabled me to enhance my credit score and spend in Europe without charges. Reviewed on: 17th January 2025

Fantastic credit card highly recommend

Perfect best credit card ever recommend fantastic bother with anyone else have lots of saving deals easy access the app get updated statements highly recommend to my family and friends Reviewed on: 17th January 2025

good interest rate without unnecessary fees

good interest rate without unnecessary fees Reviewed on: 17th January 2025

Very helpful financial and low interest and easy acc...

Very helpful financial and low interest and easy access. Reviewed on: 17th January 2025

Great and efficient service.

Great and efficient service... great help. Reviewed on: 17th January 2025

Thay are easy to find and talk to

Thay are easy to find and talk to Reviewed on: 17th January 2025

Zopa credit card

Zopa is an excellent and flexible credit card Reviewed on: 17th January 2025

Good choice

Excellent card highly recommended easy to use and app so easy to use Reviewed on: 17th January 2025

I started off with a credit card with £200 limit to...

I started off with a credit card with £200 limit to build my credit and it helped me GREATLY increasing my credit score. I can’t thank Zopa enough for helping me financially and with my credit I eventually raised my limit to £700 and opened a bank account with Zopa I am planning to open up a savings account with Zopa too as soon as I pay off my credit card bill Reviewed on: 17th January 2025

Timely and professional.

Timely and professional. Great app experience Reviewed on: 17th January 2025

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