Jaja Credit Card Review 2025: Check Pros and Cons

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.

However, as of 2025, Jaja is not accepting new applications, leaving many to wonder about its current standing and whether it’s worth considering.

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.

However, instead of expanding its user base through innovation, Jaja acquired the Bank of Ireland’s UK credit card division, including Post Office and AA credit card holders.

Currently, Jaja does not accept new applicants, and its future remains uncertain. Still, existing customers can use the card with its available features.

Jaja Credit Card Features

Network & Acceptance

• Jaja operates on the Visa network, ensuring wide global acceptance at over 20 million locations.

Annual & Monthly Fees

• Jaja does not charge an annual fee, making it an affordable option for existing users.

Interest Rates

• Purchase APR: 18.9% – 34.9% (based on creditworthiness).
• Money Transfer APR: 13.9% – 29.9%.
• Cash Advance APR: 18.9%.

Interest-Free Period

• Up to 56 days, provided the balance is paid in full.

Credit Limit

• Ranges from £250 to £20,000, subject to approval.

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.

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)

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.

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.

Customer Reviews and Ratings

TrustPilot Reviews

• Rating: 3.6/5 (based on 5,200+ reviews).
• Common Complaints: Poor customer service, confusing account transition from Post Office Money.

App Store Ratings

• Apple App Store: 2/5 (based on 65+ reviews).
• Common Issues: Users report technical glitches and difficulty managing payments.

Is Jaja Credit Card Worth It in 2025?

Jaja initially promised a revolutionary digital credit card experience, its execution has been underwhelming. If you already own a Jaja card, it remains a fee-free option with no foreign transaction charges.

However, the lack of rewards, poor customer service, and inability to support contactless mobile payments make it less attractive compared to competitors like Monzo, Starling, and Zopa.

Who Should Consider Jaja?

• Existing customers who need a no-fee travel credit card.
• Those who prefer managing their credit card via an app.

Better Alternatives

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

• Monzo Credit Card – Great for rewards and budgeting tools.
• Starling Bank Credit Card – No foreign transaction fees with excellent app support.
• Zopa Credit Card – Flexible borrowing options and transparent fees.

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.