However you want to pay, PayPal can do that. Access money directly from your balance†† with our debit and prepaid cards, or easily finance your everyday purchases with our variety of credit and installment products.
†Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.
††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 one of those accounts, you can only transfer your Cash Rewards to your bank account or debit card linked to PayPal.
PayPal Cashback Mastercard Terms and Conditions:
1See 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.
2For New Accounts: Variable Purchase APR is 19.99%, 23.99% or 26.99%. The APRs are accurate as of 3/1/2021 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 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 is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Pay in 4 Terms and Conditions
^Pay in 4 is available to consumers upon approval for purchases of $30.00 - $1,500.00. Pay in 4 is not currently available to residents of New Mexico, North Dakota, Missouri, South Dakota, Wisconsin, Nevada, Rhode Island, or any U.S. Territories. Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457. Late fees may apply for missed payments depending on your state of residency. When applying, a soft credit check may be needed, but will not affect your credit score. You must be of legal age in your U.S. state of residence to use Pay in 4. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. Offers are not pre-approved offers or firm offers of credit.
All screen images are for illustrative purposes only.
PayPal Credit Terms and Conditions:
4Offer 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 New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2021 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 Cash Mastercard Terms and Conditions:
5ATMs must display the Mastercard®, Cirrus®, PULSE® or MoneyPass® acceptance marks. Up to $400.00 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 U.S. Foreign Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. See Cardholder Agreement for details.
6This is not a credit card.
*PayPal Balance account 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.
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.
PayPal Prepaid Mastercard Terms and Conditions:
7PayPal Transfers require a PayPal Balance account and a personalized card, which arrives within 10 business days after activation of your instant-issue card. If you do not already have a PayPal Balance account you will link to this Card, visit www.paypal.com to get one, or you may get one when you activate this card online. A PayPal Balance account is required for certain features, but not to have the PayPal Prepaid Card. Transfers may not exceed $300.00 per day/$2,000.00 per rolling 30 days and are limited to the funds available in your account at PayPal. Transfers may only be made in the name of a valid PayPal Prepaid Mastercard Cardholder. Only one (1) PayPal Prepaid Mastercard may be linked to one (1) account at PayPal. PayPal Transfers cannot be reversed or canceled. The Bancorp Bank and Mastercard are not affiliated with, and neither endorses nor sponsors the PayPal.com online account to which various funding sources, including a PayPal Prepaid Card, may be linked.
8Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction.
9A fee may be assessed by reload location and may vary from location to location.
10The Savings Account is made available to Cardholders through The Bancorp Bank; Member FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
• If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5%.
• If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.5%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5% to 0.54%, depending on the balance in the account
The interest rates and APYs of each tier may change. The APYs were accurate as of October 1, 2017. These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured through The Bancorp Bank, Member FDIC upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at The Bancorp Bank will be aggregated up to the coverage limit, currently $250,000.00.
IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us 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 your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.
The PayPal Prepaid Mastercard is issued by The Bancorp Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend, a TSYS(r) Company, is an authorized representative of The Bancorp Bank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to funds availability, activation and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Card may be used everywhere Mastercard is accepted.
©2021 PayPal, Inc. All rights reserved. PayPal is located at 2211 N. First St., San Jose, CA 95131.