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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)

Very simple and great interest rate, easy to manage...

Very simple and great interest rate, easy to manage balance in th ed app Reviewed on: 7th April 2026

Clear terms , trusted company.

Clear terms , trusted company. Great customer service Reviewed on: 7th April 2026

Great app very simple and intuitive

Great app very simple and intuitive Reviewed on: 7th April 2026

Very useful and safe

I recently have been able to pay for items via the virtual Paypal credit card that I could not have done otherwise. It has been very useful for unexpected purchases I may not have been able to afford otherwise. It is simple to use and as always th Paypal very secure, I know my details are safe when making a purchase. Reviewed on: 7th April 2026

Fit for purpose with exceptional delivery.

Fit for purpose with exceptional delivery. Reviewed on: 6th April 2026

Paypal credit card offers excellent flexibility for...

Paypal credit card offers excellent flexibility for those purchases you may need some time to complete payment. Purchases over £100 I believe have no interest for 4 months. Not only that but you are rewarded with Paypal +. The credit card has been an excellent addition to my spending, particularly on websites where Paypal is not offered on checkout e.g Amazon. Reviewed on: 6th April 2026

Highly recommend

I've been using PayPal for a while now and it's always been reliable and easy to use. Payments are quick, secure, and I feel confident when shopping online. Customer service has also been helpful whenever needed. Highly recommended! Reviewed on: 6th April 2026

Very positive experience.

Very positive experience. Staff very helpful. Reviewed on: 6th April 2026

Sensible limits, easy to use.

Sensible limits, easy to use. Good customer support Reviewed on: 6th April 2026

PayPal credit is really easy to apply.

PayPal credit is really easy to apply. Never had a bad experience with apply for credit. It gives security at the back of my mind as I try to use it as a buffer versus a forefront. All managed in one app along with other services they offer. Reviewed on: 6th April 2026

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