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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)

Was an easy application.

Was an easy application. Less APR. Reviewed on: 16th January 2025

Very lovely credit card ever I will recommend anyone...

Very lovely credit card ever I will recommend anyone who wants credit card to use it Reviewed on: 16th January 2025

If you need financial help. Ask Zopa.

Since the cosy of living has been increased ìts very hard a family to meet the both ends. Especially when you face unexpected expenditure. I was in the same situation. I applied for zopa. My application was accepted and I have the card within a week. This is best ever customers service I experienced Thurs up ZOPA. Reviewed on: 16th January 2025

Their interest rate is low and the customer services...

Their interest rate is low and the customer services are topnotch among others Reviewed on: 16th January 2025

No regrets!

Quick, efficient and effective service. Reviewed on: 16th January 2025

Its really good to have that card it help me when i...

Its really good to have that card it help me when i was struggling with money Reviewed on: 16th January 2025

Very good no problem so far so good

Excellent no problem so far very good Reviewed on: 16th January 2025

Very helpful and friendly would highly recommend, co...

Very helpful and friendly would highly recommend, compared to a lot of competitors zopa went above and beyond. Reviewed on: 16th January 2025

My experience after almost 1 year has been positive.

My experience after almost 1 year has been positive. The app is easy to use and the card does what you expect. The only thing is thaty I find the credit rate to be quite high. Reviewed on: 16th January 2025

Easy to apply with as low or poor credit score...

Easy to apply with as low or poor credit score Reviewed on: 16th January 2025

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