PayPal Pay with Rewards on Phone

Load your digital wallet and choose how to pay

Add your debit and credit cards, or link your bank accounts for extra flexibility at checkout. You’ll even be able to earn and spend rewards.1

Add what you want, pay how you want

Link your accounts

Use your bank account as a payment method to shop online, or easily send money in the US or around the globe.

Add cards

Shop with Visa, Mastercard, American Express, Discover, or credit cards to keep earning rewards.1

Add debit cards

Stay on top of your spending, shop with confidence, and earn some debit card rewards along the way.1

How to add a card as a payment option


In the app, select the gear in the upper right corner and tap Banks and Cards


Choose the add button in the upper right corner to enter your card manually or via your bank


Enter and verify your card info and billing address, and select Link Card

Retail credit cards

Already earning points, miles, or cash back with other retailers? Add rewards-based credit cards to your digital wallet for even more flexible payment options.

Meet the PayPal Cash Card

Add and access funds with a debit card linked to your PayPal balance for an easy way to manage your money and expand your digital wallet.2

Learn about the PayPal Cash Card         

Frequently asked questions

A default payment method will already be chosen. Select Change at checkout to pay with a different method.

Join over 400 million PayPal users

Easily and securely spend, send, and manage your transactions—all in one place.

Experience the new way to PayPal

Download the app on your phone or sign up for free online.

1 Pay with Rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. All reward redemptions are subject to your issuer’s reward program terms. To learn more about Pay with Rewards see terms and conditions.

2 The PayPal Cash Card is a debit card linked to your PayPal Balance account. The PayPal Cash Card is not a credit card. PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds in your PayPal Balance account. Cash funds held in a PayPal Balance account are not eligible for FDIC pass-through insurance coverage unless you have a PayPal Cash Card, or have enrolled in Direct Deposit, or have bought cryptocurrency. If your PayPal Balance account is eligible for FDIC pass-through insurance, PayPal will deposit your cash funds into one or more custodial accounts maintained for the benefit of eligible customers at one or more FDIC-insured banks. Funds in these custodial accounts are eligible for pass-through FDIC insurance coverage up to applicable limits. See the PayPal Balance Terms and Conditions for additional information.

The PayPal Cash Mastercard ("PayPal Cash Card") is issued by The Bancorp Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. The Bancorp Bank is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal. Card may be used everywhere Mastercard is accepted. The Bancorp Bank does not hold your PayPal Balance account funds.

3 A PayPal Balance account is required to get the card.

Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Terms apply. See Cardholder Agreement for details.

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