Frequently asked questions

More ways to pay and earn

PayPal Credit Options
 
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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.

A QR code you can scan with the camera on your phone to download the PayPal app
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Here’s how PayPal Rewards work:

Scoop up your cash back offers

Get 1%, 2%, 5% cash back1 from top brands. We’ll apply your offers when you check out with PayPal. And we’ll let you know when they’re ready to redeem.

Check out the Offers

Get 5%

cash back

Choose your PayPal Debit Card monthly category—gas, groceries, and more—then get 5% cash back when you shop it.3 Spend anywhere Mastercard is accepted.2

Learn About the Debit Card

Or earn up to 3.00% cash back

Earn 3.00% back on your PayPal purchases.4 And 1.50% back on other purchases. Use the PayPal Cashback Mastercard anywhere Mastercard is accepted. No annual fee.5 No impact to your credit score if you're declined.6

Apply for the Credit CardLearn About the Credit Card

Do more with your PayPal Rewards

Spend, send, or save

Use points towards your next purchase.1 Redeem them for cash into your PayPal balance.7 Donate them. Or roll the cash back into a PayPal Savings account.8

Start Saving

The app is your hub

Find offers from top brands. Track your PayPal Rewards points. Redeem when you’re ready. Do it all in one smart place: the PayPal app.

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Shop with confidence

Your transactions are encrypted. Plus, we never share your full financial info.

Learn About PayPal Security

PayPal Rewards and Cash Back

Stack up offers.

Rack up rewards.

Discover cash back offers1 from top brands in the app and check out with PayPal. Get 5% cash back on offers in your PayPal Debit Card monthly category.2,3 Or use the PayPal Cashback Mastercard® to earn 3.00% cash back on top of your offers.4

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1
Offers are subject to availability. Redeem points for cash and other options. PayPal Rewards terms and merchant exclusions apply. Offers change often so refer to merchant site for the most accurate information. We may earn a commission when you make a purchase.
2
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.
3
5% cash back earned as points you redeem for cash and other options on up to $1000 spend/month everywhere Mastercard is accepted. Terms apply.
4
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.
5
See Terms and Rates for New Accounts.
6
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.
7
A PayPal Balance account is required to maintain and use a balance.
8
As of June 07, 2023, the annual percentage yield (APY) for PayPal Savings is 4.30%. This is a variable rate and can change at any time, including after the account is opened.
PayPal is a financial technology company, not a bank. Banking services provided by Synchrony Bank, Member FDIC.
All screen images are for illustrative purposes only.