Shopping & Rewards

Earn as you shop.

Pay how you want, where you want. And earn cash back while you’re at it. With PayPal, there’s a plus side to your purchases.

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Your fave ways to pay

PayPal balance? Yep. Bank account? Of course. Credit and debit card? Absolutely. Use them to check out in seconds.

Add Cards and Banks

Your 5% cash back card

Gas, clothing, groceries, and more. Pick your category each month. Then earn 5% cash back on up to $1,000 spent in it per month. Meet the PayPal Debit Card.1,2

Learn About the Debit Card

Up to 3% cash back

The PayPal Cashback Mastercard® delivers 3% cash back on PayPal purchases.3 And 1.5% back on everything else. No annual fee4 or limits on cash back. And no impact to your credit score if you’re declined.5

Learn About the Credit Card
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smarter

Load up on cash back from top brands

Discover 1%, 2%, 5% cash back offers6 in the PayPal app. We'll apply them at checkout and let you know when they’re ready to be redeemed.

Check Out the Offers

Pay over time with no late fees

Give yourself more flexibility. Break up your payments over weeks or months with Pay Later options like Pay in 4.7 Or opt for one of our other credit options.

Learn About Pay LaterExplore Credit Options

Pay securely

Your transactions are encrypted. And Purchase Protection covers you on eligible purchases.8 Now that’s peace of mind.

Learn About PayPal Security

Frequently asked questions

More ways to pay your way

PayPal Rewards
 
Add Cards and Banks
 
PayPal Debit Card
 
PayPal Credit
 

All in

the new

PayPal app

It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all on the go.

1
The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“Bancorp”) pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.
PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See PayPal Balance Terms and Conditions.
If you have opened a PayPal Debit Card Mastercard® account, enrolled in Direct Deposit, or bought or received cryptocurrency with your personal PayPal Balance account, we will place your U.S. dollar PayPal Balance funds in one or more Program Banks, where they will, subject to certain conditions, be eligible for pass-through FDIC insurance, up to applicable limits. FDIC insurance protects you against the failure of a Program Bank, not the failure of PayPal. PayPal is not a bank, does not take deposits and is not FDIC insured. Any other balance funds and all cryptocurrencies are not held in FDIC-insured bank deposits. Cryptocurrencies may lose value. See PayPal Balance Terms and Conditions.
2
5% cash back earned on up to $1000 of spending per month. Cash back awarded as points that can be redeemed for cash or other options. Terms apply.
3
Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and eligibility criteria.
4
See Terms and Rates for New Accounts.
5
Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. An approved PayPal Cashback Mastercard application will result in a hard credit inquiry, which may impact your credit score.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned 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 and the circles design are registered trademarks of Mastercard International Incorporated.
6
Points can be redeemed for cash and other options. Rewards terms apply. See offers for details and exclusions.
7
Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO or NV. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.
8
Available on eligible purchases. Terms and limitations apply. See PayPal Purchase Protection Terms and exclusions.
All screen images are for illustrative purposes only.