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PayPal Cards and Credit Products

Access money from your PayPal balance with our debit and prepaid cards, or easily finance everyday purchases with one of our credit products.

PayPal Credit

Buy now, pay over time

Get special financing on purchases $99+ everywhere PayPal is accepted.

Learn about PayPal Credit         

No Interest if paid in full in 6 months on every purchase of $99+.1

Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required. Subject to credit approval. See terms

Apply Now

Available everywhere PayPal is accepted

No annual fee.2

Access PayPal Credit from your PayPal account

PayPal Cashback

Earn unlimited 3% cash back3 on PayPal purchases and unlimited 2% on all other purchases. Be one of the first to know when it's available .4

If you are an existing 2% Cashback Mastercard holder, you do not need to join the list. You will automatically receive this exciting new upgrade.

Redeem rewards without the wait

Cash back is earned daily on completed purchases posted to your account. Redeem it to your PayPal balance5, and spend it however you want.

Enjoy more flexibility

There are no annual fees6, restrictions, or rotating categories.

Enjoy peace of mind with Mastercard

From Tap & Go® to 24/7 Identity Theft Protection, earning cash back is simple and secure.7

PayPal Cash Card

Access funds with a debit card linked to your PayPal balance for an easy way to manage your money.8

About the PayPal Cash Card         Apply Now

PayPal Balance account is required to get the card.9


Shop in store or online everywhere Mastercard® is accepted.


Withdraw from ATMs worldwide, including no-cost withdrawals at 33,000+ US MoneyPass® locations.10

No monthly fee

No monthly fee, no minimum balance, or credit check.8

1 PayPal Credit Terms and Conditions

Offer is available when you check out with PayPal and choose PayPal Credit. Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required. See terms.

PayPal Credit is subject to credit approval as determined by the Lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence.

For PayPal Credit Account Terms, see the PayPal Credit Terms and Conditions.

2 For new accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2022 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.

PayPal Cashback Mastercard Terms and Conditions

3 Purchases subject to credit approval. See Rewards Program Terms for details and restrictions.

4 Subject to marketing eligibility criteria. If you do not meet the criteria, you may not receive related marketing. Must have a PayPal account. Must not be unsubscribed to marketing emails. This is not an offer of credit. Subject to credit eligibility.

5 Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.

6 See Terms and Rates for New Accounts.

7 The benefits and services as further described in the Mastercard Guide to Benefits are provided solely by Mastercard International Incorporated. PayPal and Synchrony Bank do not endorse recommend, warrant or take responsibility for these offer benefits.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

PayPal Cash Mastercard Terms and Conditions

8 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.

9 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.

10 ATMs must display the Mastercard®, Cirrus®, PULSE® or MoneyPass® acceptance marks. Up to $400 USD daily withdrawal limit applies. Transactions at non-MoneyPass ATMS have a $2.50 ATM Domestic and International Withdrawal Fee. No fee for MoneyPass ATM Withdrawals in the US Foreign Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. See Cardholder Agreement for details.

(c)2022 PayPal, Inc. All rights reserved. PayPal is located at 2211 N. First St., San Jose, CA 95131

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