Jaja has launched a new Rewards Program including Cashback.
It appears to be based on Tiers looking at what I’ve just been notified about.
Silver & Gold Rewards are blurred out:
Cashback is just on gift cards you purchase through them not on any purchases made with the card
1 Like
They’ve just offered me 1% cashback for 2 months, up to £10 a month.
I think that’s only for Silver. I could be wrong though.
Aren’t gift cards usually treated as cash payments? 
The MCC might result in a charge.
Seems you need to do “tasks” each month:
Jaja Finance Rewards Programme: Launch to Rewards
I know nothing of JaJa - is this for low credit score/credit building folk?
Not for low credit. They took over Post Office and they offer products in Ireland
Jaja is also Asda Money credit card and Bank of Ireland credit card.
1 Like
They do have the credit building JaJa Vanta card which seems to be the only one they are offering directly, but I have the old standard card with no fx fees and instant notifications is handy too.
Originally they had a virtual card with a revolving CVV which was a great feature for using online.
2 Likes
Ah I didn’t know about the Vanta. Mine was moved to Jaja and I also have no fees abroad. Although I assume we will soon be moved to new Terms eventually.
I use my AMEX tbh. my Jaja card has been dormant.
The only cards you can now apply for are “build your credit” cards so while I guess some people might have legacy cards, they are very much a credit builder company now.
2 Likes
Very true I guess. Although all credit cards build credit 
They do.
But a very specific type advertise themselves as being one to “improve/build your credit score”. These are often high interest, high(er) acceptance cards with low initial limits and they focus on improving your credit.
These JaJa rewards do reflect this - paying your bill on time etc
1 Like
True but… their interest rate on Vanta is lowe than Amex 
35% or so is fairly high to me.
Remember: Amex usually have an annual fee, which has to be taken into consideration with the rate, legally.
This essentially artificially raises the limit, so it’s not comparing apples for apples.
Yeah, I guess. But Amex is 30% for their non-fee card. I suppose Barclaycard does slide better at 24%
To be fare the interest is irrelevant if your useing it as a credit builder you want to be paying in full every month anyway
Typical rate, you can be below - I am below that for example. And it’s still lower than 35%.
That’s the same for all cards, but credit builders are usually easier to obtain and while some can manage it fine, they absolutely rely on people not managing them well.
Paying in full after the statement generation is the important factor
1 Like
I know m8 still makes the interest irrelevant if you can’t pay in full then you shouldn’t be useing high interest cards and yes I know these company’s prey on the vulnerable
1 Like