Jaja Credit Card Review 2026: Check Pros and Cons

• Applications: Available online, but limited updates
• Annual fee: £0
• Foreign transaction fees: £0
• Rewards or cashback: None
• Best for: Users who want a simple, fee-free credit card

Jaja is still active, but it is no longer a market leader.

Jaja is a fintech startup that aimed to revolutionize the UK credit card market with a digital-first approach. Initially, it promised a seamless app-based experience, no fees for spending abroad, and competitive interest rates.

In this review article, we look at Jaja’s features, benefits, drawbacks, and customer feedback to help you decide if it’s the right choice for you.

What is the Jaja Credit Card?

Founded by Norwegian entrepreneurs, Jaja introduced a digital-first credit card designed for easy management through a mobile app. The company initially positioned itself as a challenger bank, similar to Monzo and Starling.

Instead of operating as a full digital bank, Jaja focuses only on credit cards. In the past, it also acquired and managed credit card accounts previously issued by Post Office Money and AA, following the exit of Bank of Ireland from the UK credit card market.

Today, Jaja mainly offers the Jaja Vanta Credit Card.

Is Jaja Still Accepting New Applications?

Yes, Jaja’s website still allows eligibility checks and applications. However:

• There have been very few product updates
• Marketing activity is limited
• No clear roadmap has been shared publicly

Because of this, many people feel uncertain about Jaja’s future, even though applications are technically open.

Is Jaja Credit Card Safe and Regulated?

Yes. Jaja operates under UK financial regulations and follows FCA rules through its issuing and servicing arrangements. This means:

• Customer data is protected under UK law
• Credit agreements follow regulated standards
• Existing cardholders remain protected

While there have been reports of financial pressure at the company level, this does not mean customer cards are unsafe or suddenly closing.

Jaja Credit Card Features

Card Network

• Runs on the Visa network
• Accepted worldwide at millions of locations

Fees

• Annual fee: £0
• Foreign transaction fees: £0

Interest Rates (Representative)

• Purchase APR: 18.9% – 34.9%
• Money transfer APR: 13.9% – 29.9%
• Cash advance APR: 18.9%

Actual rates depend on your credit profile.

Interest-Free Period

• Up to 56 days if you pay your balance in full

Credit Limit

• Usually between £250 and £20,000, based on approval.

Jaja Credit Card Fees and Charges

This table will helps you understand the Fess and other changes involved:-

Fee Type	Amount
Annual Fee	£0
Late Payment Fee	£12
Cash Advance Fee	£0 (but interest applies immediately)

Pros and Cons of the Jaja Credit Card

Here are some of the key Pros and Cons of Jaja Credit Card. Go through each point to compare it more perfectly:-

Pros

• No Annual Fee – No cost to keep the card active.
• No Foreign Transaction Fees – Free spending abroad.
• User-Friendly Mobile App – Provides instant notifications and budgeting tools.
• Visa Network – Ensures broad acceptance worldwide.

Cons

• No New Applications – Currently, only existing users can access the card.
• No Rewards or Cashback – Unlike competitors, Jaja offers no points or perks.
• No Google Pay or Apple Pay Support – A surprising limitation for a digital-first product.
• Customer Complaints – Reports of poor service after the Post Office Money transition.

Important Notes

• While Jaja does not charge a cash withdrawal fee, interest accrues immediately.
• To avoid late fees and high interest rates, pay off your balance in full every month.

Customer Reviews and Feedback

Trustpilot

• Overall feedback is mixed
• Common complaints include:
  • Slow response from support
  • Confusion during past account transitions

App Store Reviews

• Lower than average ratings
• Users report:
  • App glitches
  • Difficulty managing payments at times

Positive reviews often mention no foreign fees and easy spending control, while negative reviews focus on support quality.

Jaja Credit Card Application Process

Jaja is not currently accepting new applications. However, if applications reopen, here is the step by step application process:-

• Eligibility Criteria
  • Must be a UK resident.
  • Must be at least 18 years old.
• Application Process
  • Online application via the Jaja website or app.
  • Identity verification through passport or driving license.
  • Instant decision on approval.
• Impact on Credit Score
  • Jaja runs a credit check, which can affect your credit score if declined.

Is Jaja Credit Card Worth It in 2026?

For new applicants
Jaja can work if you want:

• A simple credit card
• No annual fee
• No foreign transaction charges

But it lacks features many users expect today, such as rewards, strong budgeting tools, and mobile wallet support.

For existing customers
There is no urgent reason to leave unless:

• You want rewards or cashback
• You rely heavily on Apple Pay or Google Pay

Best Alternatives to Jaja Credit Card

If you want a more modern UK credit card, these options are often better:

Feature	Jaja	Monzo	Zopa
Applications open	✅	✅	✅
Annual fee	£0	£0	£0
Rewards	❌	✅	❌
App quality	Average	Excellent	Very good
Mobile wallets	❌	✅	✅

Recommended Picks

If you’re looking for a digital-friendly credit card with better perks, consider:

• Monzo Credit Card: Strong app, budgeting tools, rewards
• Starling Bank: Excellent digital experience
• Zopa Credit Card: Clear pricing and flexible repayments

Conclusion

Jaja had the potential to shake up the credit card industry but fell short of expectations. It remains a decent option for existing users, but the lack of new applications, rewards, and payment flexibility limits its appeal.

If Jaja reopens applications and improves its features, it might regain relevance. Until then, exploring other fintech credit cards may be a wiser choice.

Want to stay updated on Jaja’s latest offerings? Visit their website or check 10 Best Start up Business Credit Cards for better benefits and rewards.

Hope we have clear all your doubt related to jaja credit card. Still if you have any queries write down in the comment section.