{"id":174472,"date":"2019-03-04T17:25:02","date_gmt":"2019-03-04T17:25:02","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=174472"},"modified":"2025-07-01T10:32:10","modified_gmt":"2025-07-01T09:32:10","slug":"jaja-credit-card-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/jaja-credit-card-review","title":{"rendered":"Jaja credit card review 2026"},"content":{"rendered":"<h3>What is Jaja?<\/h3><p>Founded by three Norwegian entrepreneurs, Jaja is a credit card \u201cbuilt for the digital world\u201d. You do get a physical card, but it\u2019s all about quickly applying online and then managing the card directly from the app.<\/p><h3>What benefits can I get with a Jaja credit card?<\/h3><ul><li><strong>A Visa card.<\/strong> Jaja credit cards are issued on the Visa network, which means they are accepted pretty much anywhere with 20 million locations worldwide.<\/li><li><strong>A mobile app.<\/strong> You can manage your card online, get instant notifications when you use it and tag your spendings to make budgeting easier and smarter.<\/li><li><strong>Fee-free spending abroad.<\/strong> Jaja won\u2019t charge any fees if you use the card outside the UK.<\/li><\/ul><h3>How much does Jaja cost?<\/h3><p>Jaja is advertised as a fee-free credit card, and looking at its specs, it looks like it\u2019s (almost) true:<\/p><ul><li>There\u2019s no annual fee.<\/li><li>You won\u2019t be charged for using the card abroad, nor for withdrawing cash. But do keep in mind that the interest-free period doesn\u2019t apply to cash withdrawals, so it\u2019s still a bad idea to use the card at ATMs.<\/li><li>There\u2019s a \u00a312 late payment fee.<\/li><\/ul><p>Other key features will include an up-to-56-days-long interest-free period if you pay off your bill on time every month and an 18.9% APR (Average Percentage Rate). Depending on your personal situation, you can get between \u00a3250 and \u00a320,000 of credit.<\/p><h3>Applying for a Jaja credit card<\/h3><p>Jaja is currently not accepting new applications, but if you\u2019re an existing Post Office Money credit card customer, you can now register your card with Jaja via its website.<\/p><p>Once applications are open, Jaja says the online application process should only take a few minutes \u2013 you\u2019ll only need to scan your passport or driving licence, and it will let you know instantly whether you\u2019ve been accepted.<\/p><p>However, as with most credit cards, when you apply Jaja will be running a credit check and a refusal could impact your credit score.<\/p><h3>Jaja customer reviews<\/h3><p>Jaja has received mixed reviews from customers, according to customer review sites like TrustPilot. It currently has a TrustPilot rating of 3.6 out of 5, based on over 5,200 reviews (updated 12 April 2022). Many customers complained of issues since their existing Post Office Money accounts were moved over to Jaja, including poor customer service and communication, and incorrect payments. <\/p><p>The Jaja credit card app also has poor customer reviews (updated 12 April 2022), with a score of 2 out of 5 on the Apple Play store (based on over 65 reviews).<\/p><h3>The verdict<\/h3><p>On first impressions, Jaja looked set to join the likes of <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/zopa-credit-card\">Zopa<\/a> in modernising the humble credit card by adding the type of digital-focused features we\u2019ve all come to expect from our bank accounts.<\/p><p>However, the proof is in the pudding. And while Jaja talked a big game, it then pivoted to simply buying customers off other banks \u2013 instead of earning them by marketing an innovative product. What\u2019s more, many of these acquired customers have expressed confusion and discontent.<\/p><p>It remains to be seen if Jaja can deliver a viable, user-friendly service. Time will tell. <\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How long has Jaja been around?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Jaja launched in 2020, but only for existing Post Office Money, AA and Bank of Ireland credit card customers who need to transfer their accounts over. Jaja is not currently accepting new applications.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is Jaja safe?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Jaja isn\u2019t a bank and doesn\u2019t have a banking licence. However, it is regulated by the FCA (Financial Conduct Authority) and authorised to issue credit cards and provide payment services.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Jaja is about to launch as a digital credit card. We&#8217;ve looked at what it means and whether it looks like a good deal for consumers.<\/p>\n","protected":false},"author":653,"featured_media":174642,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","footnotes":""},"categories":[2112],"tags":[3755],"asset_tag":[],"class_list":["post-174472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-page_type-provider"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jaja credit card review 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"Jaja is a new credit card provider that now looks after Post Office Money, AA and Bank of Ireland credit cards. Find out how it works here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/jaja-credit-card-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jaja credit card review 2026\" \/>\n<meta property=\"og:description\" content=\"Jaja is a new credit card provider that now looks after Post Office Money, AA and Bank of Ireland credit cards. 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