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PayPal: Credit card reviews

Name: Credit card
Rating: 4.9 (68 reviews)

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4.90

Based on 68 reviews, last reviewed 28th Apr 2026

6200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

92%

2 star

1 star

Latest highest rating:

5

A great promotions with credit card A great promotion with credit card,one of them 4 months interest free period. Easy to use the card and you can have digital version too. Reviewed on: 28th April 2026

Latest lowest rating:

N/A

This product has not received a review of either 1 or 2 stars.

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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 (68)

PayPal Credit: Extremely poor customer services!

I’ve been a PayPal credit customer for nearly a decade. I have made several high value purchases and have always made payments ontime via clearing my statement balances in full and the ocassional top up payments to clear my balances sooner. I have given a overall score of average as PayPal has been useful in certain situations, especially in the checkout payments but since PayPal introduced the new PayPal credit cards and debit cards, I have experienced a lot of isssues. My major concern is the extremely poor in-app experience where a customer is not even able to amend or change certain features like a mobile number. I recently and still am going through a lot of issues with removing a number from my account via in-app or even by web. It is now a number used permanently by my husband . I raised this issue through the online portal including raising a complaint and this was the first time I have ever raised my concerns regarding a very important matter only to be addressed again and again by a computer bot. Following raising a complaint I get a response via email, that too written by a bot totally unrelated to the issue I had raised. With my busy work and everything I just gave up not even having the strength to take it to the financial ombudsman. PayPal customer service is excruciatingly difficult and is insulting to be frank. I was also not offered the new service of the debit card and them quoting that it has only been offered to selected clients, that response too reading like a computerised response rather than a personalised response. I was very tempted to close the account but I have left it open to pay small subscriptions and as I wanted to keep it to maintain my excellent credit utilisation record. I would not recommend PayPal to any of my friends and I would advise them to steer clear of this organisation and get a credit card with a responsive customer focussed mainstream bank who genuinely value their customers. I Reviewed on: 28th April 2026

A great promotions with credit card

A great promotion with credit card,one of them 4 months interest free period. Easy to use the card and you can have digital version too. Reviewed on: 28th April 2026

Very convenient and pleasant to use!

Very convenient and pleasant to use! Reviewed on: 27th April 2026

Always there!

Always there whenever you need it Reviewed on: 25th April 2026

It let me buy what I want when I want

It let me buy what I want when I want Reviewed on: 20th April 2026

really convenient for everyday purchases

Really convenient for everyday spending. It’s easy to manage through the app, transactions show up clearly, and it works seamlessly with my PayPal account. A simple and reliable option for both online and in-store purchases. Reviewed on: 19th April 2026

Customer services excellence

Good interest rates easy to use physical card and online Reviewed on: 18th April 2026

Very good and excellent support while we are financi...

Very good and excellent support while we are financially down. Reviewed on: 18th April 2026

Excellent, efficient and friendly

Excellent, efficient and friendly Reviewed on: 17th April 2026

PayPal is excellent and unrivaled, and I recommended...

PayPal is excellent and unrivaled, and I recommended it to ten of my friends and signed up for them myself. Reviewed on: 17th April 2026

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