Buy now, pay over time
Get special financing on purchases $99+ everywhere PayPal is accepted.Learn about PayPal Credit
Available everywhere PayPal is accepted
No annual fee.2
Access PayPal Credit from your PayPal account
Get 2% cash back on every purchase with no exceptions.
Redeem cash rewards to your PayPal balance4 without limits.
Enjoy the added benefit of no annual fee.5
Shop in store or online everywhere Mastercard® is accepted.
Withdraw from ATMs worldwide, including no-cost withdrawals at 33,000+ US MoneyPass® locations.8
No monthly fee, no minimum balance, or credit check.6
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.
2 For new accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 9/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
For PayPal Credit Account Terms, see the PayPal Credit Terms and Conditions.
PayPal Cashback Mastercard Terms and Conditions
†Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.
3 See Rewards Program Terms for details and restrictions. Purchases subject to credit approval. To earn Cash Rewards, you must have an open account with PayPal in good standing to which your Card Account is linked. If your account with PayPal is closed for any reason, or if your Card Account is no longer linked to PayPal, your Card Account will be closed and any Cash Rewards earned, but not redeemed, will be forfeited.
4 Important information on redeeming Cash Rewards to your PayPal balance: a PayPal Balance account is required to maintain and use a balance with PayPal. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to PayPal.
5 For new accounts: Variable Purchase APR is 19.99%, 23.99% or 26.99%. The APRs are accurate as of 9/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00 for all types of cards in any billing cycle in which you owe interest.
The PayPal Cashback Mastercard is issued by Synchrony 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.
PayPal Cash Mastercard Terms and Conditions
6 The PayPal Cash Card is a debit card linked to your PayPal balance. 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. Funds you hold in a PayPal Balance account are not insured by the FDIC unless you have successfully requested a PayPal Cash Card. If you have successfully requested a PayPal Cash Card, then we will deposit the funds in your PayPal Balance account into a pooled deposit account held by us for your benefit at an FDIC-insured bank. This structure used for accounts with a PayPal Cash Card is intended to provide the funds in your PayPal Balance account with the benefit of pass-through FDIC insurance up to applicable limits.
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.
7 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.
8 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)2021 PayPal, Inc. All rights reserved. PayPal is located at 2211 N. First St., San Jose, CA 95131