Last Updated: 05/14/2026
SuperMoney User Recommendation Score +23
Mostly recommended13 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
19.24% - 31.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 03/10/2023)
Credit Score Range
720 - 850
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Annual Fee
$0
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Number of Reviews
PayPal Cashback Mastercard® Review
This is a cashback credit card issued by PayPal Inc. If you're wondering whether PayPal Cashback Mastercard® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.24% up to 31.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Paypal credit card
| The Good | The Bad |
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Paypal credit card FAQ
Does Paypal credit card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Paypal credit card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Paypal credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Paypal credit card benefits?
PayPal Cashback Mastercard® provides the following benefits:
- Extended Warranty Protection
- Price Protection
- Reports to major credit bureaus
What are the relevant APRs for Paypal credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.PayPal Cashback Mastercard® has a variable purchase APR that ranges from 19.24% up to 31.24%. PayPal Cashback Mastercard® does not offer balance transfers. It also has a variable cash advance APR of 31.24% .
Does Paypal credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. PayPal Cashback Mastercard® does not offer balance transfers.Does Paypal credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Paypal credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Paypal credit card have a foreign transaction fee?
Paypal credit card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Paypal credit card?
The customer service number for Paypal credit card is (402) 935-2050.
What is the support contact email for Paypal credit card?
The support contact email for Paypal credit card is service@paypal.com.
How do people rate the customer service and user experience of Paypal credit card?
Overall, Paypal credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does PayPal Cashback Mastercard® report your account activity to credit bureaus?
Yes, PayPal Cashback Mastercard® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does PayPal Inc perform a hard credit pull?
Yes, Paypal credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Paypal credit card
- Visit the website of Paypal credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
PayPal Cashback Mastercard® Disclosure: *Purchases subject to credit approval. See 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.
• **See Rates and Fees for details.
• ^Important information on redeeming Cash Rewards to your PayPal balance: You need to have a PayPal Cash or PayPal Cash Plus account to have a balance. 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 your PayPal account.
• 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.
View PayPal Cashback Mastercard®'s published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Services by PayPal Inc
Other Credit Cards from PayPal Inc
Rating not yet determined
Purchase APR
22.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +23, or 3.5 on a 5-point rating scale.
+23
-1000+100
No one recommends
Everyone recommends
PayPal Cashback Mastercard® Community Reviews
Would you recommend PayPal Cashback Mastercard® to your friends?
MR
Michael R.
May 20, 2023
May or may not recommend
Horrible, they will hold your payments for up to 18 days after making payment. When asked Customer service Reps say..”It’s a lot of Money”, therefore you really cannot use the card more than a week or so within the month. It’s no longer the 90’s when card companies would use the excuse, “We haven’t received cleared notification on funds” it’s a bad way to do business, it’s either they are ...Show More
U
Anonymous
Feb 11, 2023
May or may not recommend
Nasty staff!!! Post pandemic Synchrony has ruined them! I'm a rich client with an 828 credit score and they refuse to look at facts and return money with an appropriate dispute. DO NOT DO BUSINESS WITH THEM!
Victoria S.
Dec 19, 2022
May or may not recommend
Yes, 2-3% cashback on a card with no fees is awesome, however here are the drawbacks:
It takes 2 WEEKS for payments over $200 to post!! TWO WEEKS!!! So let's say your last statement was $1500 and your credit limit is $2000...so you pay the $1500 before the due date, but for 2 weeks you only have $500 credit to use, and that $$ isn't in your bank account anymore. ...Show More
Bat N.
Oct 15, 2022
May or may not recommend
Very worst web site. Tried paying my card, and was not given payment day option. Just come through as paying TODAY. When I called to complain, braindead staff insisted there's nothing they could do. STAY AWAY! Hours of frustration down drain.
AH
Ashley H.
May 8, 2022
May or may not recommend
You have to have a credit score of 670 or higher to apply, I had to build my credit in order to get it, but it's worth it. You get 2% on everything you buy and it will go right to your paypal, even small purchases like Dunkin Coffees! There's also bonuses that give you points such as when you purchase gas, food at restaurants, and use paypal/ebay to complete ...Show More
JY
Jessica Y.
Apr 6, 2022
May or may not recommend
I like using Paypal, but I would not recommend this card, especially if you carried a balance. You have to have excellent credit first off to even be eligible for this card. Next, the interest rate for this card even on the low end is very high! You get some good benefits with the card, but it is not worth it with the interest rate that they are offering. Plus, ...Show More
U
Anonymous
Nov 9, 2021
May or may not recommend
Paypal is fast and reliable. It works with most banks. However, it would be great to make this payment system worldwide. There are a lot countries that do not have paypal system.
Alex B.
Feb 24, 2021
May or may not recommend
Yes, honestly I hate paypal for reasons for sure, Paypal trapped me into their capital loans few times, paypal also trapped with its pay later services, in both cases i lost funds unfortunately. However here Id like to say that this Cashback Mastercard issued by paypal is not that bad as its issuer., exactly I love this cashback debit card, most times I do use it as for some reason ...Show More
KN
Keira N.
Dec 25, 2020
May or may not recommend
I use PayPal in my small little business and the personal credit cards work perfectly for me it's just that I don't understand the $4.95 fee every month I get all my direct deposits on that card and I've get got some money sent to that card so I like the card
Kristina H.
Oct 28, 2020
May or may not recommend
I was accepted for and have received a $4k Cashback Mastercard from PayPal, which I have been using wisely to build my credit to a higher standing. I shopped around for quite a while to find the right rate and amount for my needs, and I was surprised that it turned out to be through PayPal. I must have inquired with about 10 or more local banks/credit unions, a few ...Show More
C C.
Jun 10, 2020
May or may not recommend
Nice love PayPal simple and easy so if u get one. U will be happy
EW
Ernest W.
May 3, 2020
May or may not recommend
No matter what you spend you are still receiving money back.
CH
Catherine H R.
Aug 26, 2019
May or may not recommend
love my account easy to use and use always love it
Showing 13 of 13 reviews
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