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PayPal: Credit card reviews

Name: Credit card
Rating: 4.66 (126 reviews)

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4.66

Based on 126 reviews, last reviewed 20th Aug 2026

49% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

92%

2 star

Latest highest rating:

5

Each purchase of $99/£99 gets 4 months interest-free. Each purchase of $99/£99 gets 4 months interest-free. If you pay it off in time, you spread the cost with no extra fees. PayPal’s “Pay in 4” is als... Read more Reviewed on: 20th August 2026

Latest lowest rating:

1

The absolute worst credit card you can have. The absolute worst credit card you can have. The transactions don’t go through all the way until 2 months later. So here you are thinking you just pai... Read more Reviewed on: 14th July 2026

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About this product

PayPal Credit Card allows eligible UK customers to use their PayPal Credit account wherever Mastercard is accepted, both online and in store.

There’s no annual fee, and eligibility checks don’t impact your credit score. If approved, PayPal Credit is available in the PayPal wallet via a virtual card, with the option to request a physical card.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

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PayPal Credit card reviews (126)

Each purchase of $99/£99 gets 4 months interest-free.

Each purchase of $99/£99 gets 4 months interest-free. If you pay it off in time, you spread the cost with no extra fees. PayPal’s “Pay in 4” is also 0% interest + $0 late fees. Reviewed on: 20th August 2026

I am very long and happy customer.

I am very long and happy customer. The service is excellent. Reviewed on: 29th July 2026

The absolute worst credit card you can have.

The absolute worst credit card you can have. The transactions don’t go through all the way until 2 months later. So here you are thinking you just paid your balance off. Next thing you know you get a statement and you owe hundreds of dollars stills customer service lady says sorry for the inconvenience maybe next time you make a payment you should call and check in with them? Like what? Isn’t the what the app is for? Yet you guys can’t even do your jobs in updating things in a timely manner? Yeah.. never again. Reviewed on: 14th July 2026

Paypal credit gives you the flexibility of Paypal on...

Paypal credit gives you the flexibility of Paypal on products you cannot normally purchase with Paypal eg in store items and Amazon purchases . The card can also be stored in Apple wallet Reviewed on: 14th July 2026

PayPal credit

Simple, fast application and a great addition to my wallet Reviewed on: 12th July 2026

I’ve had a really positive experience using PayPal.

I’ve had a really positive experience using PayPal. It’s always been quick, secure, and easy to use, whether I’m shopping online or sending money. I like how simple the app is to navigate, and transactions are processed smoothly. Having buyer protection also gives me extra confidence when making purchases. Overall, PayPal has been a reliable and convenient payment service that I trust and would happily recommend to others. Reviewed on: 9th July 2026

PayPal MJ

It’s great to have and I’m very pleased with it Reviewed on: 9th July 2026

Very good and comfortable to use.

Very good and comfortable to use. It really helping my day to day life Reviewed on: 8th July 2026

Great APR, easy to use, easy to keep track of paymen...

Great APR, easy to use, easy to keep track of payment smade on the app. Overall fantastic Reviewed on: 8th July 2026

Easy to use anywhere physi store or online.

Easy to use anywhere physi store or online. Reviewed on: 8th July 2026

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