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 PayPal 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. See Terms
  • No card needed. Easily access PayPal Credit right from your PayPal account.
  • 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 balance

  • 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 balance to your PayPal Prepaid Card

  • Link your PayPal account for full access to PayPal Prepaid Card features⁷
  • Add money to your card at +130,000 Netspend Reload Network locations nationwide⁸
  • Optional tiered-rate Savings Account up to a 5.00% Annual Percentage Yield (APY)⁹

PayPal Cashback Mastercard Terms and Conditions:

1See the Rewards Program Terms for details. To earn Cash Rewards, you must have an open PayPal Account in good standing to which your Card Account is linked. If your PayPal Account is closed for any reason, or if your Card Account is no longer linked to your PayPal Account, your Card Account will be closed and any Cash Rewards earned, but not redeemed, will be forfeited.

†Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.

2For New Accounts: Variable Purchase APR is 21.74%, 25.74% or 28.74%. The APRs are accurate as of 7/1/2018 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 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 PayPal account 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.

††Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.

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. PayPal Credit is serviced by Bill Me Later, Inc.

For New Accounts: Variable Purchase APR is 25.49%. The APR is accurate as of 6/1/2018 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.

*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. The Bancorp Bank; Member FDIC. Card may be used everywhere Mastercard is accepted.

PayPal Prepaid Mastercard Terms and Conditions:

7Use of this Card requires a PayPal Account. If you do not already have a PayPal Account you will link to this Card, visit /webapps/mpp/account-selection to get one, or, get one when you activate this Card online. You will not be able to go online to access balance information, your transaction history, PayPal Transfers, the mobile app, and the optional Savings Account unless you link a PayPal Account to this Card. The Bancorp Bank and Mastercard are not affiliated with, and neither endorses nor sponsors the PayPal account to which various funding sources, including a PayPal Prepaid Card, may be linked.

8A fee may be assessed by reload location and may vary from location to location.

9The 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® 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.

©2018 PayPal, Inc. All rights reserved. PayPal is located at 2211 N. First St., San Jose, CA 95131.