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Review of the PayPal, PayPal Credit:

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The best flexible card - 4 months of 0% freedom

Having the flexibility to pay on credit and automatically be able to spread it over 4 months is a game changer. Not only do you get the protection of a credit card, it gives you the choice to clear your current balance in full for the purchase, or if something comes up, you can decide to pay the following month, or pay over 2 months, or split it into 3 or use the full 4 months for 0%. This is a great way to manage your money. No real drawback compared to other cards either. Some let you balance transfer or money transfer for long periods, but this is great for every day use. The fact it auto applies for payments over £100 and now there's a card version, you can literally use it, whenever, wherever! Top card, definitely one to add to your wallet. Plus, they also do rewards now! Reviewed on: 7th July 2026

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