PayPal Cards and Credit Products

More ways to pay, your way.

Discover more ways to enjoy PayPal and get to know our cards and credit services. Conveniently finance with our credit products or access money from your PayPal balance with our debit card.

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PayPal Credit

Buy now, pay over time

Get No Interest if paid in full in 6 months on every purchase of $99+ everywhere PayPal is accepted.1

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.
Apply NowLearn about PayPal Credit

It’s in the app

Get the flexibility of managing your PayPal Credit account any time, anywhere.

Millions of online stores

Use PayPal Credit anywhere PayPal is accepted.

Digital credit line

PayPal Credit is a reusable, digital credit line with no annual fee.2

PayPal Cashback Mastercard®

Earn unlimited 3% cash back3 on PayPal purchases and unlimited 2% on all other purchases where Mastercard is accepted.

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Redeem rewards without the wait

Cash back is earned daily on completed purchases posted to your account. Redeem it to your PayPal balance4 and spend it however you want.

Enjoy more flexibility

No annual fee5, restrictions, or rotating categories.

Mastercard security

From secure Tap & Go® purchases to 24/7 Identity Theft Protection™, you can pay with peace of mind.6

PayPal Debit Card

Shop smarter with a debit card that makes it easier to earn rewards and manage your money.7

Apply NowAbout the PayPal Debit Card
PayPal Balance account is required to get the card.8

Shop

Use your card in store or online everywhere Mastercard® is accepted.

Withdraw

Get cash globally, plus no-cost withdrawals at 33,000+ US MoneyPass® locations.9

No monthly fee

No minimum balance or credit checks, either.7

PayPal Prepaid Mastercard®

Digitize your cash in store with the reloadable PayPal Prepaid Mastercard.10 Get all the advantages of a secure, bank-backed card without the overdraft fees.

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Frequently asked questions

Discover more ways to pay

Payment Methods
 
Buy Now, Pay Later
 
Pay with QR Codes
 
Pay with Rewards
 

Join the millions around the world who love PayPal

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

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PayPal Credit Terms and Conditions
1
Offer 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 and conditions.
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 PayPal Credit Account Terms, see the PayPal Credit Terms and Conditions.
2
For new accounts: Variable Purchase APR is 28.49%. The APR is accurate as of 3/1/2023 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
PayPal Cashback Mastercard Terms and Conditions
3
Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Programs Terms for details and restrictions.
4
Important information on redeeming Cash Rewards: 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 account with PayPal.
5
See Terms & Rates for New Accounts.
6
The benefits and services as further described in the Mastercard Guide to Benefits are provided solely by Mastercard International Incorporated. PayPal and Synchrony Bank do not endorse, recommend, warrant, or take responsibility for these offer benefits.
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, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
PayPal Cash Mastercard Terms and Conditions
7
The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. pursuant to a license by Mastercard International Incorporated.  Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. This is a debit card linked to your PayPal Balance account and is not a credit card. Card may be used everywhere Mastercard is accepted. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal.
PayPal is not a bank and does not itself take deposits. You will not receive any interest, credit, or other earnings on the funds in your PayPal Balance account. Your U.S. dollar PayPal Balance funds are eligible for FDIC pass-through insurance up to applicable limits only if you have a PayPal Debit Card, have enrolled in Direct Deposit, or have bought or received cryptocurrency. FDIC insurance does not protect you against the failure of PayPal. See PayPal Balance Terms and Conditions.
8
A PayPal Balance account is 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.
9
ATMs 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 US Foreign Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. See Cardholder Agreement for details.
10
Fee may be assessed by reload location and may vary from location to location.
IMPORTANT INFORMATION FOR OPENING A NEW 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.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Card may be used everywhere Debit Mastercard is accepted.