Last Updated: 02/23/2026
SuperMoney User Recommendation Score +23
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PayPal Cashback Mastercard® Review
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
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Paypal credit card FAQ
Does Paypal credit card have a cash back or rewards program?
| 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?
- 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.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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
What is the support contact email for Paypal credit card?
What is the login page for Paypal credit card?
How do people rate the customer service and user experience of Paypal credit card?
Does PayPal Cashback Mastercard® report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does PayPal Inc perform a hard credit pull?
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.
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
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