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
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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
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My card has been restect with no…
My card has been restect with no explanation for way over 2 weeks
12 April 2026
Reply from Jaja
Hi Carl,
Thank you for taking the time to share your feedback. We're sorry to hear about the experience you've had with your card being restricted, and we understand how frustrating this must be.
We've sent you a message through our in-app live chat service and would appreciate it if you could reply when you have a moment, so we can look into this further and help resolve the issue as quickly as possible.
Best regards,
Jordan
Reply from Jaja
Hi Nightingale's,
Thank you for your feedback! ⚡ We’re so pleased to hear you found the process quick and easy, that’s exactly the experience we aim to provide. ✨
Best regards,
Jordan
Worst ever experience with a credit card.
Worst, and most embarrassing credit card I have ever had. I went to a shop to buy some fireworks to celebrate my freinds wedding; and they declined the payment, and are asking me for ID??? SAYING it'd fraud [the ai said this]... Like, excuse me??? Fraud? Who tries to buy £210 worth of sparklers, and othet stuff as fraud? Despite having the card for 1.5 months and using kt for just eat etc, they're asking me for ID?? DESPITE paying back money, and CONNECTING to my bank??? REALLY? PLUS - I don't have ID. if you want to have your card blocked because you wanted to have fun - jaja is definitely the way to go.
And before jaja say anything- I verify my ID using citizens id card. Which just shows my name, Dob, and picture.
Unless jaja removes this obvious unfair lock - I will be escalating to the financial ombudsman, since I don't even have ID.
22 June 2026
Unprompted review
Reply from Jaja
Hi Reece,
Thank you for taking the time to share your feedback. We're very sorry to hear about your experience and understand how frustrating this situation must have been.
We've reached out to you via our in-app live chat service regarding this on the steps we have taken for you. If you do have any queries following that, then you can respond to that message we've sent to you.
Best regards,
Jordan
Great account apps good happy with it.
21 June 2026
Reply from Jaja
Hi Gareth,
Thank you so much for your review! 😊
We’re delighted to hear that you’re happy with your account and enjoying the app. 💳📱✨
We’re always working to make managing your account as simple and convenient as possible, so it’s wonderful to know you’re having a positive experience.
Thank you for choosing JAJA, we really appreciate your support! 🚀
Thank you,
Natalie D.
I just wanted to leave a review because…
I just wanted to leave a review because of one customer agent called Sol, who helped me with a issue I was having with a bank transfer. I had spoke to several other agents but he was the who was patient and seemed to care about my query. Thank you 😊
19 June 2026
Unprompted review
Reply from Jaja
Hi Jo,
Thank you so much for taking the time to share your experience! 💜 We’re delighted to hear that Sol was able to provide the support you needed. 🤝 We’ll be sure to pass on your kind words to him, we know he’ll really appreciate the recognition. 😊
Best regards,
Jordan
Reply from Jaja
Hi Nick,
Thank you for your wonderful feedback! 🌟 We’re delighted to hear you’ve had such a positive experience. It’s also great to know you’re finding the app easy to use. 📱✨
Best regards,
Jordan
Reply from Jaja
Hi Suzanne,
Thank you for your kind feedback! 😊 We’re delighted to hear you’ve had a good experience with Jaja and found our service professional. 🤝 We really appreciate you taking the time to share your thoughts.
Best regards,
Jordan
Perfect credit card.
21 June 2026
Reply from Jaja
Hi Arman,
Thank you for your fantastic feedback! 🎉 We’re delighted to hear you’re enjoying your credit card and that it’s been the perfect fit for you. 😊
Best regards,
Jordan
Reply from Jaja
Hi Laura,
Thank you for your great feedback! 📱 We’re so pleased to hear you find the app easy to use. It’s also fantastic to know you’re enjoying the rewards you earn when using your credit card. 🎁
Best regards,
Jordan
Keep an eye on your interest rates
Started with an interest free period with then decent interest rate which has now been doubled after I cleared my balance in full, and I would have given 2 stars but there is an easy to use app, payments are easy to make through app and at a time that is convenient to me, hence 3 stars
21 June 2026
Reply from Jaja
Hi Toni,
Thank you for taking the time to share your feedback. 💬 We’re pleased to hear you’re finding the app easy to use and that making payments is simple and convenient. 📱
We also appreciate your comments regarding the interest rate. We value you taking the time to share your experience with us. Your feedback is important and helps us continue to improve. 🙏
If you do have any queries in regards to this or would like to discuss anything further, then please do reach out to our customer service team through the live chat option in the app and they can discuss this with you.
Best regards,
Jordan
The card arrived on time all i had to…
The card arrived on time all i had to do was activate it and away you go. Easy to use app plain English recommend this card.
1 June 2026
Reply from Jaja
Hi Jeffrey,
Thank you so much for your lovely review! 😊
We’re really pleased to hear that your card arrived on time and that you found the activation process quick and straightforward. 💳✨ It’s also great to know you’re enjoying the app and finding it easy to use and understand.
We aim to keep everything simple, clear, and hassle-free, so it’s fantastic to hear that’s been your experience.
Thanks for recommending JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
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.
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