PayPal Credit & Cards

Explore our credit cards, debit cards, prepaid cards, and PayPal Credit

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 products.


Credit Cards and Digital Credit Line

PayPal Cashback Mastercard®
Earn 2% cash back¹ on every purchase everywhere Mastercard is accepted

  • Earn Cash Rewards every time you use your card – no purchase exceptions
  • Redeem Cash Rewards directly to your PayPal balance†† at any time – no redemption threshold
  • No annual fee²
  • Plus, enjoy all the benefits of being a Mastercard cardholder

PayPal Extras Mastercard®
Earn points on every purchase everywhere Mastercard is accepted

  • Earn 3 points per $1 spent on gas and restaurant purchases, 2 points per $1 spent on PayPal and eBay® purchases and 1 point per $1 spent on all other Mastercard purchases³
  • Redeem points for gift cards, travel vouchers, cash back to your PayPal balance†† and more
  • Plus, enjoy all the benefits of being a Mastercard cardholder

PayPal Credit - Digital Credit Line
Get 6 months promotional financing on purchases of $99+ everywhere PayPal is accepted

  • Get No Interest if paid in full in 6 months on every purchase of $99 or more.⁴ 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
  • No card needed. Easily access PayPal Credit right from your account with PayPal
  • Get a credit decision in seconds and use your PayPal Credit account to shop everywhere PayPal is accepted

Debit & Prepaid Cards

PayPal Cash Mastercard
Access funds with a debit card linked directly to your PayPal Cash Plus account

  • Shop in-store or online, everywhere Mastercard is accepted
  • Withdraw cash from ATMs worldwide, including no-cost withdrawals at over 33,000 MoneyPass® locations nationwide⁵
  • No monthly or annual fees. No minimum balance required. No credit check.⁶

PayPal Prepaid Mastercard
Transfer money from your PayPal Cash Plus account balance to your PayPal Prepaid Card

  • Link your PayPal Cash Plus account for full access to PayPal Prepaid Card features
  • Add money to your card at +130,000 Netspend Reload Network locations nationwide7
  • Optional tiered-rate Savings Account8


†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 Cash or PayPal Cash Plus 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 9/1/2020 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $1.50 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.

PayPal Extras Mastercard Terms and Conditions:

3Purchases subject to credit approval. Accrued Reward Points that are not redeemed will be forfeited 24 months (2 years) after they were first accrued or if there are no purchases for 24 consecutive months. See Rewards Program Terms for details and other reasons why accrued Reward Points may be forfeited. Note: Without an active account with PayPal to which your Card is linked, you will not be able to (1) use the Card to make purchases through PayPal; (2) earn rewards on PayPal purchases; (3) redeem rewards online or in a form other than statement credit; and (4) take advantage of online account management, make payments online or receive online statements. You will only be able to redeem rewards in the form of a statement credit by calling the number on the back of your card.

The PayPal Extras 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 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 9/1/2020 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 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 Cash Plus 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 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. Card may be used everywhere Mastercard is accepted. The Bancorp Bank is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. The Bancorp Bank does not hold your PayPal Cash Plus funds.

PayPal Prepaid Mastercard Terms and Conditions:

7A fee may be assessed by reload location and may vary from location to location.

8The 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 5.00%.

• 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 0.50%, 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 5.00% 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.

(c)2020 PayPal, Inc. All rights reserved. PayPal is located at 2211 N. First St., San Jose, CA 95131.

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