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PayPal: Credit card reviews

Name: Credit card
Rating: 4.67 (124 reviews)

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4.67

Based on 124 reviews, last reviewed 14th Jul 2026

43% increase 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

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 ca... Read more Reviewed on: 14th July 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 (124)

Easy to use, clear options.

Easy to use, clear options. PayPal credit card allows me to use PayPal options, spreading the cost of larger purchases, without having PayPal available at the checkout. Reviewed on: 9th April 2026

5* card, best credit I have.

5* card, best credit I have. Card feature very handy! Reviewed on: 8th April 2026

PayPal credit has helped get me through, get extra t...

PayPal credit has helped get me through, get extra time to pay with no interest for 4 months. Reviewed on: 8th April 2026

Fast and convenient

PayPal has been fast and convenient with a great app experience and a competitive interest rate. The addition of a credit card has made it my go to payment method everywhere and not just online. No longer just my eBay payments but also all of our major purchases. Reviewed on: 8th April 2026

PayPal credit is a great advantage.

PayPal credit is a great advantage. 4 months interest free! Always use this Reviewed on: 8th April 2026

Great for flexible online shopping

I’ve been using PayPal Credit for a while now and find it incredibly convenient for larger online purchases. The 0% interest offer for 4 months on purchases over £99 is a standout feature that helps me spread the cost of bigger items without extra fees. The integration into the PayPal app makes managing payments and checking my balance very straightforward. Overall, it’s a reliable tool for flexible spending if you stay on top of the monthly payments. Reviewed on: 8th April 2026

I had a good experience with paypal credit

I had a good experience with paypal when i wanted to buy my samsung fold6 in 2024. I requested for a credit card thru paypal and got an offer for me to pay for the samsung phone for 3yrs which gave me flexibility to my payment. I was really happy. Paypal was only company that gave me such offer. Reviewed on: 8th April 2026

Finally real world payment option for Paypal

When the credit card came out I was chuffed as it suddenly made PayPal into a real world payment option for my family when out and about. Reviewed on: 7th April 2026

I feel safe using PayPal

I feel safe when using PayPal to purchase online. PayPal credit is very helpful to spread costs of bigger purchases and easy to use. Reviewed on: 7th April 2026

I had a need to use credit and PayPal was there to h...

I had a need to use credit and PayPal was there to help me were many others wasn’t, many thanks PayPal Reviewed on: 7th April 2026

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