jaja is a good card to have. Recognized everywhere and very speedy payments at usage. The credit limit is good but could, perhaps, be a little bit higher as life is becoming more expensive and purch... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have had other cards which I applied for on line, but in my experience this has been the best so far. I was pleasantly surprised how easy and straight forward the whole process was, always kept in... See more
Company replied
Straight forward setting up on the account, my experience as a more mature person, not Tech 100% savvy, everything was so easy no hassle no need to phone anyone, everything explained so easily. The se... See more
Company replied
I found this company very helpfull and straight forward with my credit card.payments by direct debit help me keep my account updated and I dont miss a payment if I forget very helpfull to myself I wou... See more
Company details
- #15 of 29 best companies in Money & Insurance
About Jaja
Written by the company
Hello 👋 We're Jaja and we're on a mission to shake up credit and liberate our customers from needless complexity, wasted time, and frustration.
We're making the credit card experience simpler, more enjoyable, more intelligent – treating customers fairly and putting them back in the driving seat.
Find out more at jaja.co.uk
We're making the credit card experience simpler, more enjoyable, more intelligent – treating customers fairly and putting them back in the driving seat.
Find out more at jaja.co.uk
Contact info
PO Box 10782, LE18 9HS, Wigston, United Kingdom
- www.jaja.co.uk
4.5
Excellent
16k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
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Reply from Jaja
Hi Ganeshan,
Thank you so much for your review! 😊
We’re really pleased to hear you’ve had an excellent experience with us. 💳✨ It’s great to know everything has gone smoothly for you and that you’re happy with the service provided.
We really appreciate your feedback and thank you for choosing JAJA! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Nadyne,
Thank you so much for your kind review! 😊
We’re really pleased to hear that you’re finding your credit card both helpful and easy to use. 💳✨
Providing a simple and supportive experience for our customers is exactly what we aim for, so it’s great to know this has come through in your experience.
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Awful company
Awful company. First card took three weeks to arrive, they wouldn’t change my address before they sent the card to my old address (I tried to change the address the very same day as being accepted) when the card eventually arrived it didn’t even work so had to wait again for another to arrive. Customer services is shockingly bad when you eventually get through to speak to a human. Horrible company would not recommend
7 June 2026
Reply from Jaja
Hi Kerrie,
Thank you for taking the time to share your feedback.
We are sorry to hear about your experience and appreciate you bringing your concerns to our attention. We have now reached out to you through the in-app Message Centre to discuss this further.
You can find our message by selecting the More tab > Help within the app.
Thank you again for your feedback.
Thank you,
Natalie D.
Reply from Jaja
Hi Simon,
Thank you so much for your review! 😊
We’re really pleased to hear you’ve had a hassle-free experience and that you’re finding the app helpful in keeping you updated on your available credit and account information. 💳✨
Making things simple, transparent, and easy to manage is exactly what we aim for, so it’s great to know that’s coming through in your experience.
Thanks for choosing JAJA, we really appreciate your support! 🚀
Thank you,
Natalie D.
Service is great app is easy to use and…
Service is great app is easy to use and great rewards
19 June 2026
Reply from Jaja
Hi Carol,
Thank you so much for your lovely review! 😊
We’re really pleased to hear that you’re enjoying the service, finding the app easy to use, and making the most of the rewards. 💳✨
We work hard to keep things simple and rewarding for our customers, so it’s great to know that’s coming through in your experience.
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Was quite a good card,pretty sure I had…
Was quite a good card,pretty sure I had an interest rate reductionp at some time.
Now just received an email with an increase of +14% upto 40.? Interest.
Now getting cancelled and paid off.
Never missed a payment, always on time and more than minimum payment always.
Real shame was a pretty handy card to have.
One to avoid in the future as that interest rate will kill you if you spend on it and don't pay in full.
18 June 2026
Unprompted review
Reply from Jaja
Thank you for taking the time to leave us a review. We're sorry to hear about your experience. We’ve reached out to you via your in-app message centre, which you can find by going to More > Help, to discuss this further. We're here to support you and help resolve the issue.
Got an alert from ClearScore I had a…
Got an alert from ClearScore I had a preapproved new card eligibility offer and got offered £1000 on Jaja Vanta which was always going to be my next card I had planned to get after Barclaycard Forward. Had an account and an additional £1000 in under ten minutes! Very easy process, app is very sleek and cool looking, simple to use and navigate looking forward to my new card arriving and using it to help boost my credit score - thanks Jaja
18 June 2026
Unprompted review
Reply from Jaja
Hi Simon,
Thank you so much for your review! 😊
We’re really pleased to hear that you found the application process quick and straightforward, and that you’re finding the app easy and enjoyable to use. 💳✨ It’s great to have you on board, and we’re glad your experience has started off so positively.
We really appreciate your feedback and thank you for choosing JAJA! 🚀
Thank you,
Natalie D.
Jaja rip off. No stars from me if it were possible!
Avoid at all costs because their interest rate increases are astronomical. I took out the account through Asda Money with an interest rate of 29.9%. A bit high but manageable. I accepted higher credit limits when offered. The last increase was December 2025. It being Christmas, I stupidly accepted it. March 2026 my statement showed their interest rate had increased to 40.9%. I queried this and was told I was notified, by email, of the increase in December 2025 and given the opportunity to reject it, thus closing the account but paying the credit card off monthly at 29.9%. I never and still haven’t received this email despite JaJa saying I had and rejecting my complaint. I complained again and also complained via Asda Money both to no avail. This morning I received a letter saying my promotional money transfer rate ends on the 8th July and will pay interest on any outstanding balance increasing to 49.6%. Almost 20% more than when I originally took the credit card in March 2025. I’ve never missed a payment and more often than not, have paid before the due payment date. I feel conned, scammed and trapped into accepting higher credit limits for them to collect more money in interest. My last credit increase was the beginning of December, JaJa say they sent the alleged notification of the increase on the 19th December 2025. What a coincidence!
18 June 2026
Unprompted review
Reply from Jaja
Hi Catherine,
Thank you for taking the time to leave us a review, we are sorry to hear about this. We did try reaching out, but unfortunately, we were unsuccessful. If you wish to discuss this further, please don’t hesitate to reach out through our in-app messaging centre. We are available Monday to Friday, from 9 AM to 5 PM, and will be happy to assist you.
Thank you,
Natalie D.
JAJA already had all my biometric info…
JAJA already had all my biometric info but still required a photo of my driving license (front and back) which has never happened to me after years of using credit cards. The card is also not accepted at places like Tesco where I do my shopping. The same has happened at one or two other places which is quiet embarrassing. Paid off balance and cancelled card.
18 June 2025
Unprompted review
Reply from Jaja
Hi Daz,
Thank you for taking the time to leave us a review, we are sorry to hear about this. We did try reaching out, but unfortunately, we were unsuccessful. If you wish to discuss this further, please don’t hesitate to reach out through our in-app messaging centre. We are available Monday to Friday, from 9 AM to 5 PM, and will be happy to assist you.
Thank you,
Natalie D.
Ease of use with the app
18 June 2026
Reply from Jaja
Hi Paul,
Thank you so much for your review! 😊
We’re really pleased to hear you’re finding the app easy to use. 💳📱✨ Making account management simple and convenient is a key focus for us, so it’s great to know this is coming through in your experience.
We truly appreciate your feedback and thank you for choosing JAJA! 🚀
Thank you,
Natalie D.
Absolutely amazing service and so easy…
Absolutely amazing service and so easy to complete application
18 June 2026
Reply from Jaja
Hi Jolene,
Thank you so much for your wonderful review! 😊
We’re really pleased to hear that you found the application process so easy and that you’ve had such a great experience with our service. 💳✨ Making things simple, quick, and hassle-free is exactly what we aim for.
We truly appreciate your feedback and thank you for choosing JAJA! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Tanujkumar,
Thank you so much for your review! 😊
We’re really pleased to hear you’ve had an overall positive experience with our service. 💳✨ It’s great to know things have been working well for you, as we always aim to make managing your account as simple and reliable as possible.
Thank you for choosing JAJA, your support means a lot to us! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Mark,
Thank you so much for your review! 😊
We’re really pleased to hear you’re happy with your experience and that everything has been excellent for you. 💳✨
We truly appreciate your support and thank you for choosing JAJA! 🚀
Thank you,
Natalie D.
Jaja are excellent
Jaja are excellent. Their app is so easy to use and their interest rate is good
17 June 2026
Unprompted review
Reply from Jaja
Hi Rachel,
Thank you so much for your great review! 😊
We’re really pleased to hear that you find the app easy to use and that you’re happy with the experience overall, including the interest rate. 💳✨
Making credit simple, clear, and accessible is what we aim for, so it’s great to know that’s coming through in your experience.
Thank you for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Easy to understand your monthly…
Easy to understand your monthly statement
Easy access to your account on the app
17 June 2026
Reply from Jaja
Hi Malcolm,
Thank you so much for your kind review! 😊
We’re really pleased to hear that you find your monthly statement easy to understand and that you can access your account easily through the app. Making things clear and convenient for our customers is exactly what we aim for. 💳📱✨
Thank you for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
This company is good for everyone
This company followed me step by step, it helped me in my journey and also in increasing my score.
17 June 2026
Reply from Jaja
Hi Marco,
Thank you so much for your wonderful review! 😊
We’re really pleased to hear that you’ve felt supported throughout your journey with us and that your experience has had a positive impact. Helping customers build confidence and manage their credit responsibly is exactly what we aim for. 💳✨
Thank you for choosing JAJA, we truly appreciate your feedback and support! 🚀
Thank you,
Natalie D.
Im just a new customer of the company…
Im just a new customer of the company as youll know and im finding using the card very easy and it always reliable in most shops it not all very satified
3 June 2026
Reply from Jaja
Hi Henry,
Thank you so much for your review! 😊
We’re delighted to hear that you’re finding your card easy to use and reliable. It’s great to know your experience as a new customer has been a positive one so far. 💳✨
We really appreciate your feedback and thank you for choosing JAJA, we’re glad to have you with us! 🚀
Thank you,
Natalie D.
Predatory company. Avoid at all costs
I haven’t used this card for a while cause 24% is extortionate. My credit rating is excellent these days and I got this card back when I was building it up, so had to take what I could get. These days I have far better rates so I use far superior providers. Today I received an email saying they are changing my rate due to current market conditions. They changed it to 39%. Tats right 39%!!!!! Insane increase. They have been bombarding me with (awful 14%) balance transfer offers ver the last few months. Thank god I wasn’t desperate and never gave it a second thought, cause if I’d of transferred a few grand into this and then been hit with this I would all Of a sudden it would of been very expensive. Do not use this card. This is disgusting behaviour. Hey at least they reminded me to close it. AVOID AT ALL COSTS
16 June 2026
Unprompted review
Reply from Jaja
Hi davenumberone,
Thank you for taking the time to leave us a review, we are sorry to hear about this. We did try reaching out, but unfortunately, we were unsuccessful. If you wish to discuss this further, please don’t hesitate to reach out through our in-app messaging centre. We are available Monday to Friday, from 9 AM to 5 PM, and will be happy to assist you.
Thank you,
Natalie D.
Reply from Jaja
Hi Kathleen,
Thank you for your review! 😊
We’re really pleased to hear you found the information clear and helpful. Making things easy to understand and keeping our customers well informed is something we focus on, so your feedback is greatly appreciated. 💳✨
Thank you for choosing JAJA, we appreciate your support! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Sajad,
Thank you for taking the time to share your feedback.
We are sorry to hear that you have not yet received your card. We have now reached out to you through the in-app Message Centre so we can help resolve this for you as quickly as possible.
You can find our message by selecting the More tab > Help within the app.
Thank you again for your feedback.
Thank you,
Natalie D.
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