Write a review

Go to business site

PayPal: Credit card reviews

Name: Credit card
Rating: 4.7 (87 reviews)

View other PayPal products

4.70

Based on 87 reviews, last reviewed 5th Jun 2026

8000% 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

Great for larger purchases and spreading the cost Great for larger purchases and spreading the cost Reviewed on: 5th June 2026

Latest lowest rating:

N/A

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

Read all reviews Write a review

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.

Review PayPal: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal Credit card reviews (87)

Easy to use ,and quick transfer .

Easy to use ,and quick transfer . Reviewed on: 6th May 2026

I have always pay with PayPal and it’s easy.

I have always pay with PayPal and it’s easy. They have low interest compared to to other creditors. Reviewed on: 5th May 2026

I love the 4 months interest

I love the 4 months interest free option when buying goods, giving time to pay bigger purchases. It's always been a benefit and help for the bigger purchases making then more affordable over time. Reviewed on: 5th May 2026

Its the most trust way to pay anything i want

Its the most trust way to pay anything i want Reviewed on: 5th May 2026

Great service

Great services, many different options to pay Reviewed on: 5th May 2026

Greater than Great

Use my account to book my flight ticket in 3 instalments when I had a Emergency Family funeral in South Africa Reviewed on: 5th May 2026

Easy access to the money

Easy access to the money where you can pay online or instore Reviewed on: 5th May 2026

Easy to access.

Easy to access. You can pay online quickly or send money to family and relatives. Reviewed on: 4th May 2026

I’m happy to use.

I’m happy to use. Easy to use and I like paypal. Reviewed on: 2nd May 2026

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

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Chrome Card
from Vanquis 4.08 from 8 reviews
Credit Card
from American Express 3.58 from 127 reviews
Charge Card
from American Express 4.20 from 24 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 57840 reviews
Payments
from PayPal 4.74 from 3728 reviews
PayPal Credit
from PayPal 4.74 from 122135 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub