PayPal credit options

A little flexibility or a lot

Get a quick credit line for unexpected purchases. Opt for a credit card that gives you up to 3% cash back on your PayPal purchases.1 Or try a Pay Later plan that meets your needs.

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PayPal Credit Card

The PayPal Credit Card, coming soon

Use the PayPal Credit Card for No Interest if paid in full in 6 months on qualifying travel purchases posted to your account by January 31, 2026, or with both PayPal Credit Card and the PayPal Credit digital line, pay over time on all purchases of $149 or more2 when checking out with PayPal.

PayPal Cashback Mastercard®

Up to 3% cash back

Earn 3% back on your PayPal purchases.1 And 1.5% back on everything else. Use it anywhere Mastercard is accepted. There’s no annual fee.3 And no impact to your credit score if you're declined.4 Add it to your phone’s wallet, and tap to pay.

Buy Now, Pay Later

Get it now. Pay later.

Pay over time with no late fees. Choose from smart options like Pay in 45 or Pay Monthly.6

PayPal Debit Card

Spend your PayPal balance

Shop in stores or online wherever Mastercard® is accepted. Plus, get 5% cash back in the monthly category of your choice.

Frequently asked questions

Discover more ways to pay

All in the

PayPal app

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