Past Policy Updates
PayPal Gold Rewards
Terms and Conditions
Last updated and effective October 15, 2021
These PayPal Gold Rewards Terms Conditions (the "Gold Rewards Terms") are a contract between you and PayPal, Inc. ("PayPal") and govern your access to and use of the PayPal Gold Rewards Program. In addition to these Gold Rewards Terms, by accessing and using the PayPal Gold Rewards Program, you agree to comply with the following additional policies (collectively, with these Gold Rewards Terms, the “Agreement”):
Please note that the provisions of these Gold Reward Terms applicable to Balance Accounts also apply to accounts currently or previously named PayPal Cash and PayPal Cash Plus. All references to “Balance Account” shall be deemed to include PayPal Cash and PayPal Cash Plus accounts.
Accepting the Terms
By using, participating in, or receiving the benefit of any portion of the PayPal Gold Rewards program, you agree to comply with and be bound by this Agreement. You must have a valid PayPal account in good standing, be an individual, be a resident of the United States or one of its territories, and be at least 18 years old, or the age of majority in your state or jurisdiction of residence (if over 18), to use or participate in the PayPal Gold Rewards program. You may not use the PayPal Gold Rewards program or accept this Agreement if you are not of a legal age and able and competent to form a binding contract with PayPal. If you use the PayPal Gold Rewards program, you represent that you have the capacity to be bound by this Agreement. Participation in the PayPal Gold Rewards program is unauthorized in any jurisdiction where all or any portion of this program may violate (or may cause PayPal to violate) any legal requirements, and you agree not to participate if you are a resident of any such jurisdiction. The PayPal Gold Rewards program is for personal, non-commercial use. You agree that you are not using (and will not use) the PayPal Gold Rewards program for or on behalf of any third party, for any company, association, or group, or for any commercial purpose. You further agree that you will not participate in the PayPal Gold Rewards program using multiple PayPal accounts in an attempt to avoid any prohibition of this Agreement or earn PayPal Gold points (described below) in excess of what would otherwise be permitted under this Agreement.
You agree that PayPal’s decisions regarding the PayPal Gold Rewards program and your participation in it are final and binding and you agree to abide all such decisions. PayPal will be the sole arbiter in cases of suspected abuse, fraud, or violation of its rules and any decision it makes relating to termination, suspension, or disabling of your participation in the PayPal Gold Rewards program terms and/or your forfeiture of any PayPal Gold points or other program benefits.
Amendments of this Agreement
PayPal may amend these Gold Rewards Terms or other terms or policies that govern your participation in the PayPal Gold Rewards program from time to time. Any changes to the Agreement will be posted on PayPal’s website, and the posted Agreement will indicate the date the Agreement was last revised. The revised Agreement will take effect when posted or as otherwise expressly indicated. If you do not agree to the changes, you must stop participating in the PayPal Gold Rewards program or using any benefits of the PayPal Gold Rewards program. By continuing to use the PayPal Gold Rewards program after any changes to this Agreement take effect or taking such other action as specified by PayPal, you agree to be bound by those changes.
Description of PayPal Gold Rewards Program
The PayPal Gold Rewards program allows users to search for deals, coupons, discount codes, and exclusive offers in order to look for potential savings when shopping online. As described in more detail below, participating in the PayPal Gold Rewards program also provides you with an opportunity to earn PayPal Gold points. PayPal offers a variety of ways to access aspects of our PayPal Gold Rewards program, including the PayPal website and mobile app. Not all aspects of the PayPal Gold Rewards program will be available through all access channels. For example, some aspects of the PayPal Gold Rewards program may only available through the PayPal mobile app and some only through the PayPal website.
You must be a PayPal user in good standing to redeem awards or receive benefits of the PayPal Gold Rewards program. All PayPal users in good standing may participate (subject to the eligibility requirements set out above) and no separate enrollment/application is required. PayPal does not charge fees to you for its PayPal Gold Rewards program.
While we try and find you the best available discounts and coupons, and to identify low prices, we may not always find you the best deal. PayPal is not responsible for any missed savings or rewards opportunities.
PayPal Is Not Responsible for Third Parties
All products you purchase from a third-party merchant, including those linked from the PayPal website or PayPal emailed offer, or displayed through the PayPal mobile app, are: (a) priced by the applicable third-party merchant (including whether such prices include applicable local, state, or federal taxes, and any additional fees, such as shipping and handling); and (b) fulfilled, shipped, and otherwise serviced (including but not limited to the processing of returns, refunds, and cancellations) by the applicable third-party merchant and not by PayPal. PayPal is not responsible for any third-party merchant products, the business practices of any third party or any information contained on the merchant's website (including if the merchant's website is displayed through the PayPal mobile app or website). You agree that your purchase from a third-party merchant is subject to the merchant's own terms and conditions applicable to such purchase. You agree that - except for eligible transactions covered by PayPal Purchase Protection (and then only to the extent expressly provided for under PayPal’s Purchase Protection feature) – PayPal is in no way responsible or liable to you for any products you purchase in connection with the PayPal Gold Rewards program, including for any product liability claim, improper charges, delivery failures, pricing errors, or inaccurate product descriptions. You acknowledge and agree that PayPal is not liable or otherwise responsible for any breaches of credit card or debit card security or privacy by any third-party merchants.
PayPal has no control over, and assumes no responsibility for, the content, accuracy, privacy policies, or practices or opinions expressed in any third-party websites or by any third party that you interact with through the PayPal Gold Rewards program. In addition, PayPal will not and cannot monitor, verify, censor or edit the content of any third-party site or service. By using the PayPal Gold Rewards program, you release and hold us harmless from any and all liability arising from your use of any third-party website or service.
Except for eligible transactions covered by PayPal Purchase Protection (and then only to the extent expressly provided for in connection with PayPal’s Purchase Protection feature), if you have a dispute with any third party (including a merchant from whom you purchase a product in connection with the PayPal Gold Rewards program):
(1) you agree that PayPal is under no obligation to become involved; and
(2) to the maximum extent permitted by applicable law, you release PayPal, its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to any dispute you have with a third party in connection with the PayPal Gold Rewards program.
If you are a California resident, you shall and hereby do waive California Civil Code Section 1542, which says: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."
Earning & Redeeming PayPal Gold; Limitations; Program Changes
We may from time to time make our rewards points, "PayPal Gold," available to you when you complete certain actions through the PayPal platform. You must be a PayPal user in good standing to participate in the PayPal Gold Rewards program.
The most common way for you to earn PayPal Gold points is by making an eligible purchase from one of the participating third-party merchants while using the PayPal Gold Rewards program. PayPal Gold points are not available for all merchants or items. When PayPal Gold points are available for eligible purchases made from a particular merchant, we may indicate so on PayPal’s website or mobile app and/or within any other software PayPal may make available for the PayPal Gold Rewards program (e.g., browser extensions or plug-ins).
If a merchant site is participating in the PayPal Gold Rewards program, you can earn PayPal Gold points based on the eligible items that you purchase. You must complete your purchase after visiting the participating merchant’s site/service via the referral links provided by PayPal as part of this program (or taking such other action as PayPal may specify in PayPal Gold Rewards program materials) in order to be eligible to potentially earn PayPal Gold points. See below for additional details on this requirement.
We may display to you the amount or range of PayPal Gold points which you may earn in connection with an eligible purchase in any of the following ways: (1) a fixed percentage reward rate applicable for eligible purchases (for example: 3% in PayPal Gold points based on the subtotal of eligible items), (2) a percentage reward rate range applicable for eligible purchases (for example: 1-4% in PayPal Gold points based on the subtotal of eligible items), (3) a fixed number of points for an eligible purchase (for example: 500 PayPal Gold points), or (4) a range of PayPal Gold points for an eligible purchase (for example: 300-500 points). For an eligible purchase, the number of PayPal Gold points to be provided may be calculated based on the subtotal of eligible items purchased from a participating merchant, excluding tax or any additional fees such as shipping, or (where indicated) it may be provided as a flat sum regardless of the value of your purchase. You can only earn PayPal Gold points on eligible purchases, and certain items, product categories, and purchases are ineligible for PayPal Gold points. Exclusions vary by merchant. Except for certain product-specific offers, such as PayPal Gold Offers, we generally won't be able to determine if the item(s) you have purchased are eligible for PayPal Gold points or the amount of PayPal Gold points that you will earn for that purchase until after you make your purchase.
Such earning opportunities may be subject to additional terms, as specified at the time of the offer, including offers requiring you to pay with your PayPal account.
The exact number of PayPal Gold points that can be earned on an eligible purchase will be assigned by PayPal based on the prevailing rewards rate displayed to you at the time of purchase for eligible items in your purchase. Depending on the offer you accepted, PayPal Gold points may be awarded to you as a flat sum, a fixed percent value based on your eligible purchase value, or, where applicable, fall within a range or up to the maximum number disclosed to you, and will be based on a number of factors determined by PayPal in its sole discretion (including random chance).
PayPal Gold points will appear as pending in your Account Overview, generally within 1-14 days of completing your qualifying purchase, although this may vary based on the transaction and merchant. This will occur before we have verified that all items of your purchase are eligible for PayPal Gold. PayPal Gold points will remain pending for approximately 60-90 days (although this varies based on the merchant and may be longer in some instances – including travel-related purchases, for which PayPal Gold points will be available for redemption only after travel has been completed and points have been confirmed). You will not earn PayPal Gold points for any items that you return or for which you receive a full refund on. If part or all of your purchase is ineligible for PayPal Gold points, or if you return all or part of your purchase or receive a refund on it, the number of PayPal Gold points you receive on your purchase, whether or not showing as "pending," will be reduced accordingly based on the new subtotal of eligible items. For the purpose of clarity and without limiting the foregoing, PayPal may remove PayPal Gold points previously made available to you and/or cancel any awards for which those PayPal Gold points were redeemed in the event that you return all or part of your underlying purchase or a receive a refund on it (either through the merchant or via chargeback). If there are no eligible items in your cart, you will not earn any PayPal Gold points on that transaction or order. PayPal Gold points which are pending cannot be used or redeemed. You'll be able to see in your PayPal Gold Activity Dashboard when PayPal Gold points are no longer pending and become available to redeem.
We are able to provide PayPal Gold points to you based on our agreements with third-party merchants in connection with your purchases. As such, we can only provide PayPal Gold points to you when an action is successfully completed and tracked and after the relevant third-party merchant completes its obligation to us. You must follow the links and instructions on the PayPal website or mobile app or in other PayPal Gold Rewards program materials in order to complete the eligible purchase or other qualifying action. If we are unable to track your transaction/action or if the relevant third-party merchant does not fulfill its obligation to us, then PayPal may choose not to provide the PayPal Gold points associated with that transaction to you. This includes instances where there are difficulties in tracking a transaction due to your use of an ad blocker or another service similar to PayPal. This could occur if, for example, you have downloaded another browser extension that provides a service similar to PayPal or navigated to a merchant site by clicking on a link from another website that provides discount codes or price tracking services.
If you have questions or issues in connection with earning PayPal Gold points for your transaction, please contact us. We may require you to provide copies of your order confirmation, order number, or other proof of purchase. We may elect to provide you PayPal Gold points in our sole discretion based on the information you provide.
Provided your account is in good standing, you can redeem PayPal Gold points for PayPal Gold Rewards program awards. Available awards (and, where applicable, the number of PayPal Gold points required for each award type) will be as set forth on the PayPal website/mobile app or other PayPal Gold Rewards program materials. Awards may vary, may be subject to availability or limitations on redemption, and may be subject to additional award-specific terms or limitations. All redemptions are final. We may place other limitations on your ability to redeem PayPal Gold points. We may change the number of PayPal Gold points required, redemption-rate or availability of any item for which you may redeem PayPal Gold points in our sole discretion and without prior notice. We may also offer additional redemption options from time to time, as disclosed within our PayPal Gold Rewards program. Use of awards may be subject to additional terms and limitations as specified at the time of redemption or in materials accompanying the award.
PayPal Gold points cannot be purchased, are not your property, are not money, can expire as described in these Gold Rewards Terms, and have no value prior to redemption. Upon redemption, additional terms may apply. PayPal Gold points are not transferrable under any circumstances (except where PayPal expressly makes transfer or account linking functionality available within the PayPal Gold Rewards program and then subject to any additional terms or limitations set out by PayPal) and can expire as further explained below. Without limiting the foregoing, PayPal Gold points are not descendible and may not be transferred by operation of law (including via inheritance, bankruptcy, or in the event of divorce). You understand that benefits you receive through the redemption of PayPal Gold points may qualify as taxable income under applicable law and you are solely responsible for any tax liability incurred in connection with your participation in the PayPal Gold Rewards program.
PayPal reserves the right at any time to cancel, terminate, modify, or restrict PayPal Gold program (for some or all users), or any aspect of the PayPal Gold program, including any point redemption ratios, redemption offers, expiration terms, etc. PayPal reserves the right to apply such changes retroactively to PayPal Gold points already accrued. You agree that PayPal has the right to limit the quantity of PayPal Gold points you may earn, refuse to provide you PayPal Gold, or otherwise modify, restrict or eliminate your ability to earn or redeem PayPal Gold in our sole discretion and without prior notice to you.
Redemption for Cash
One type of award for which you may (in our sole discretion) be able to redeem PayPal Gold points is cash redemption. This redemption option requires you to have a valid personal PayPal account that is active and in good standing in PayPal’s sole discretion and has your bank account linked to it.
It can take up to 24 hours for the funds to be sent to your PayPal account. After that, to cash out your funds, you can transfer them to the linked debit card or bank account. Or, if you have a PayPal Balance Account, you can hold it as PayPal cash balance for future use. This redemption option is subject to additional terms, as specified in the PayPal Balance Terms and Conditions.
Redemptions are final and cannot be reversed once started.
Redeeming PayPal Gold points for cash may be considered taxable income. You are responsible for compliance with all applicable tax requirements. You may be asked to provide certain identifying information (like your Social Security Number or Taxpayer Identification Number) for tax purposes.
PayPal Shopping Credit
Another type of award for which you may (in our sole discretion) be able to redeem PayPal Gold points is a PayPal Shopping Credit. This award provides a specified discount on future eligible purchases paid for using PayPal. PayPal Shopping Credits are subject to additional terms, as specified below and disclosed to you at the time of redemption.
PayPal Shopping Credits are issued for loyalty and promotional purposes and are subject to expiration as specified at the time you redeem PayPal Gold points for the PayPal Shopping Credit. Following the stated expiration date of a particular PayPal Shopping Credit (“Expiration Date”), you will not be able to use the PayPal Shopping Credit and will forfeit any remaining value. PayPal Shopping Credits have no value unless and until redeemed for an eligible purchase prior to expiration.
Once credited to your PayPal account, the PayPal Shopping Credit will be automatically applied to your next eligible purchase made using PayPal as your payment method. The PayPal Shopping Credit will be reflected on your PayPal receipt or in the transaction details in your PayPal account.
If prior to the Expiration Date, you receive a full refund for or there is a reversal on a transaction you made using the PayPal Shopping Credit, the PayPal Shopping Credit (or portion thereof used on the applicable transaction) will be returned to your PayPal account and the original Expiration Date shall apply to the PayPal Shopping Credit. If, following the Expiration Date, there is a refund or reversal on a transaction you made using the PayPal Shopping Credit, the PayPal Shopping Credit will not be returned to your PayPal account and is void. In the event that you receive a partial refund for any transaction you made using both a PayPal Shopping Credit and another method of payment, the other method of payment will be credited first in applying the refunded amount to you, up to the total amount of the original transaction paid for using that payment method, after which – provided the return is processed before the Expiration Date – any remainder will be added to your account as a PayPal Shopping Credit (and the returned PayPal Shopping Credit will remain subject to the original Expiration Date).
PayPal Shopping Credits may not be redeemed on all transactions. Excluded transactions which the PayPal Shopping Credit cannot be used for include, but are not limited to, the following: send money transactions, eBay seller fees, eBay purchases paid via an eBay invoice, PayPal preapproved payments, and the payment of any PayPal transaction fees. PayPal Shopping Credit may not be applied to past purchases. The PayPal Shopping Credit is valid in the United States and can only be used for purchases from U.S. merchants in U.S. Dollars.
A PayPal Shopping Credit is different than a typical PayPal account balance. The PayPal Shopping Credit cannot be transferred (to other PayPal users or outside of PayPal) or combined with any other PayPal (a) offer (including but not limited to Pay After Delivery); (b) promotion code; (c) coupon; or (d) discount (including applying multiple PayPal Shopping Credit to a single purchase). The PayPal Shopping Credit cannot be redeemed for cash or other value and cannot be withdrawn from your PayPal account. PayPal Shopping Credit has no monetary value except as provided for under this Agreement. PayPal Shopping Credit is void where prohibited and may not be available when network connectivity between the merchant and PayPal is unavailable. The PayPal Shopping Credit is visible on our website at www.paypal.com, and may not be visible in the PayPal mobile app.
Expiration & Loss of PayPal Gold Points; Termination of the Program
To maintain your PayPal Gold points, your PayPal account must remain active. If your PayPal account is inactive for a period of at least twelve (12) consecutive months (for example, from April 10 of this year to April 10 of next year), PayPal has the right (to the maximum extent permitted by applicable law) to reset your PayPal Gold points to zero (0), in which case you will no longer be eligible to redeem any then-unredeemed PayPal Gold points. For the purposes of these Gold Rewards Terms, inactive means that you have not logged into your PayPal account or otherwise used your PayPal account to transact in any way, including making an online or in-store purchase, or sending, receiving, or withdrawing money. To the maximum extent permitted by applicable law, you agree that any disputes about whether your PayPal Gold rewards points should expire will be resolved by PayPal in its sole discretion, and you agree to abide by PayPal's resolution of such dispute. If your PayPal account is closed, any unredeemed PayPal Gold points balance associated with your account will no longer be redeemable. PayPal reserves the right to suspend or terminate, in its sole and absolute discretion, your participation in the PayPal Gold Rewards program or your PayPal account entirely if PayPal reasonably suspects that you have abused any PayPal Gold Rewards program benefits or privileges, have violated or acted inconsistently with these Gold Rewards Terms, any other aspect of the Agreement, or applicable law, or have acted in a manner harmful to our interests. Abuse or violations that may result in suspension or termination include (but are not limited to): (i) using automated or fraudulent means (including artificially manufacturing transactions/spend) to earn PayPal Gold or otherwise participate in this program; (ii) your failure to abide by the requirements of the Agreement; (iii) the attempted or actual purchase, sale, or transfer of any PayPal Gold points or PayPal account; and (iv) making a misrepresentation to PayPal in connection with your participation in the PayPal Gold Rewards program. You understand and agree that termination of your participation in the PayPal Gold Rewards program (or your PayPal account) will result in the immediate forfeiture of all PayPal Gold points and unused program awards associated with that account.
PayPal reserves the right to cancel, terminate, modify, or restrict the PayPal Gold Rewards program (for some or all users), or any or all program benefits, including but not limited to any point redemption ratios, redemption offers, and expiration terms at any time and for any reason. In the event PayPal elects to terminate the PayPal Gold Rewards program entirely, we will provide a notice of termination on the PayPal website and/or by email to the email address then associated with your PayPal account. Unless a shorter notice period (or no notice) is required by applicable law or by PayPal as determined in its sole discretion, PayPal will provide you with at least twenty-one (21) days’ notice prior to termination of the PayPal Gold Rewards program during which time you may continue to use accumulated PayPal Gold points. (Any conclusion to the PayPal Gold Rewards program that results in the transfer of participants to a successor loyalty program, where such participants do not forfeit all unexpired, unredeemed PayPal Gold points in their account as a result, will not be considered a termination of the program for purposes of this provision. In addition, this provision will not apply if PayPal elects, in its sole discretion, upon termination of the program, to automatically credit to each member’s PayPal account a pro rata deposit equal to the redemption value of the member’s unredeemed PayPal Gold points.)
PayPal may assign, without recourse, any or all of its rights or obligations under this Agreement, including all or a portion of this Agreement and/or all or a portion of any liabilities related to PayPal Gold rewards points. In the event that PayPal assigns any or all of the liabilities related to PayPal Gold rewards points, the assignee shall be the sole obligor with respect to such points, and PayPal shall have no further liability with respect to such points.