The PayPal Cashback Mastercard offers you the ability to earn 3% cash back when you check out with PayPal and choose your PayPal Cashback Mastercard. Plus, earn 1.5% cash back2 on all other purchases everywhere Mastercard is accepted and start enjoying all the benefits, including the convenience of acceptance at millions of locations worldwide. For additional details on rewards, see the PayPal Cashback Mastercard Rewards Program Terms.

With the PayPal Cashback Mastercard, there’s no annual fee* and no rotating categories. Easily redeem the cash rewards you earn to PayPal** anytime, anywhere with the PayPal app and PayPal.com. Plus, you can get all the benefits of Mastercard like ID Theft ProtectionTM and Microchip technology. See the Mastercard Guide to Benefits for details.

*See Terms and Rates for New Accounts.

**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 PayPal account.

If you're approved, in most cases, a temporary credit line will instantly be available, which you can use on PayPal purchases right away with your virtual card – even before you receive your physical card.

Your card will be mailed within 7-10 business days. It is important that you activate your credit card immediately to ensure your full credit line is available to you.

Upon approval, in most cases, you can start using your virtual card account right away through your PayPal account wherever PayPal is accepted.

When you receive your card in the mail, you can activate by calling the number provided, scanning the QR code provided and following the prompts, or visiting paypal.com/cashbackcardactivation.

Your card is added automatically to your PayPal account. When making a purchase with PayPal, just choose your PayPal Cashback Mastercard as your payment source.

Yes, you can add up to 6 authorized users to your PayPal Cashback Mastercard. To add an authorized user, log into your PayPal account, go to your PayPal Cashback Mastercard and then tap the “Manage” tab. You can add and manage your authorized users here.

Important information about authorized users:

• Each person you add will get their own card that will be mailed to your billing address.
• They’ll also be reported to the credit bureaus as an authorized user on your account.
• You can only earn 1.5% for authorized user purchases since their cards can’t be added to a PayPal account.
• You’re responsible for any charges made by your authorized users and for all payments due on your account.

You can access your account anytime via the PayPal app and PayPal.com. Be sure to download the latest version of the PayPal app to get the best experience. You can also enable automatic app updates on your smartphone to ensure you get the latest version every time a new one is released.

When you apply for PayPal Cashback Mastercard, you’ll be asked to confirm your name, address, and phone number, provide your date of birth, annual income after taxes, and the last 4 digits of your Social Security number, and finally agree to the Terms and Conditions. And here’s the cool thing: upon approval, your PayPal Cashback Mastercard account will be linked to your PayPal account and you’ll see it as a payment option when you check out with PayPal.

You will need to have a PayPal account to apply for a PayPal Cashback Mastercard. Once you’ve signed up for PayPal, you can begin the application for a PayPal Cashback Mastercard. Signing up for PayPal is free.

You can use the PayPal Cashback Mastercard at the millions of online stores where PayPal is accepted, and if eligible, using the PayPal QR Code in select stores, when you check out with PayPal and choose PayPal Cashback Mastercard as your payment source. You can also use it anywhere else Mastercard is accepted, in stores and online.

No. You must reside in the US or its territories to apply for the PayPal Cashback Mastercard.

The PayPal Cashback Mastercard is issued by Synchrony Bank.

Yes. Add your PayPal Cashback Mastercard to your mobile wallet and earn unlimited 1.5% cash back when you pay using your mobile device.

PayPal Cashback Mastercard cardholders automatically receive zero liability for any unauthorized charges. Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.

For details, view the Mastercard Guid to Benefits.

At any time, you can choose to make a one-time payment or schedule automatic payments towards your balance due. You can pay using your PayPal balance, or your linked bank account conveniently with the PayPal app or on PayPal.com. You may need a linked bank account to pay your bill, even if you’re paying with your PayPal balance, as it will be used if your balance is insufficient.

You can also mail your payments to:

PayPal Credit SVCS/SYNCB PO Box 71718

Philadelphia, PA 19176-1718

Note: When mailing a payment, please make sure you include your PayPal Cashback Mastercard account number. Please allow enough time for payment to be received.

Or, you can call our customer service department at (855) 938-3684 to make a payment. There may be an additional charge for expedited payment by phone.

Yes, you will be charged a late fee for each month the minimum payment is not paid by the payment due date. An explanation of the Late Payment Fee is provided in the PayPal Cashback Mastercard Terms and Rates.

The Late Fee is equal to:

• $29, if you have paid your minimum payment due by the due date in each of the prior six billing cycles; OR
• $40 if you have failed to pay your minimum payment due by the due date in any one or more of the prior six billing cycles.

However, the Late Fee will not be more than the minimum payment that was due.

We will charge a "return check fee" or "non-sufficient funds fee" for any returned payment, such as if any check, other instrument, or electronic payment authorization you provide us in payment on your account is not honored, returned unpaid or cannot be processed for any reason. This fee is equal to:

• $30, if you have not had a returned payment fee in each of the prior six billing cycles; OR
• $41, if you have had a returned payment fee in any one or more of the prior six billing cycles.

The returned payment fee will not be more than the amount permitted by applicable law. We may represent any returned payment. A returned payment fee may be charged even if your payment is honored on a subsequent representment.

PayPal Cashback Mastercard also has a Paper Statement Fee. We will charge a $1.99 monthly Paper Statement Fee to your account in any billing cycle in which your balance is greater than $2.50 and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form.

You can avoid the fee if you elect to receive and are sent your statements in electronic form only for each billing cycle. To change your statement preference, go to the "Manage" tab, and choose "Manage Statement Delivery". Click "Stop Paper Statements" to stop receiving paper statements.

No. Applications for PayPal Extras Mastercard are no longer being accepted.

No. You may only have one type of PayPal Mastercard account, either the PayPal Cashback Mastercard or the PayPal Extras Mastercard account.

The PayPal Extras Mastercard offers you the ability to earn Reward Points on your eligible purchases. For additional details on the PayPal Extras Mastercard rewards, see the Extras Rewards Program Terms. The PayPal Extras Mastercard also offers the benefits of a Mastercard.

See the Mastercard Guide to Benefits for details.

You can use the PayPal Extras Mastercard as a payment source in PayPal and anywhere that Mastercard is accepted, in stores and online.

PayPal Extras Mastercard Cardholders automatically receive zero liability for any unauthorized charges. For details, view the Mastercard Guide to Benefits.

The PayPal Extras Mastercard is issued by Synchrony Bank.