Can you pay someone on paypal with a credit card reddit

Excellent Credit, Good Credit

Earn 3 PayPal points per $1 spent at gas stations and restaurants.

Earn 2 points per $1 spent at PayPal and eBay®.

Earn 1 Point per $1 spent on all other Mastercard® purchases.

Redeem your PayPal rewards points for cash back into your PayPal wallet, travel, gift cards and merchandise.

Balance Transfers Not Allowed

PayPal Credit Card Review

The PayPal Credit Card is a $0 annual fee credit card for people with good credit or better. It offers 3 rewards points per $1 spent at gas stations and restaurants, in addition to 2 points per $1 spent through PayPal and eBay, and 1 point per $1 on everything... show more

View 159 User Reviews

cash advance fee 3% (min $5)
cash advance APR 26.99% (V)
foreign transaction fee 3%
smart chip Yes
max late fee $40
max overlimit fee $0
max penalty APR None
grace period 23 days

Mastercard Benefits: ID Theft Protection™, Global Service and Airport Concierge™.

Can't find what you are looking for? Submit your question about PayPal Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How can I pay my PayPal Credit Card?

Sydney Garth, Credit Cards Moderator

The easiest way you can pay for your PayPal Credit Card, is either online or over the phone at (844) 373-4961. Alternatively, you can pay your credit card bill through the PayPal app for iOS and Android, or via mail.

Here's how you can pay your PayPal Credit Card:

  • Online: To pay your PayPal Credit Card online, sign in to your account and select "PayPal Credit" to be redirected to the payment servicing site.
  • Phone: If you'd rather pay over the phone, call (844) 373-4961, or the number you see on the back of your card.
  • Mobile app: Another way to pay your bill online is through the PayPal app for iOS and Android.
  • Mail: Mail payments are also an option, using the address provided on your bill.

If you choose to pay your PayPal Credit Card via mail, always make sure to send your payments at least 5-7 days before your due date. This way, you can avoid being charged with a late fee.

What are the minimum PayPal Credit Card credit score requirements?

Jamie Thompson, WalletHub Analyst

The minimum PayPal Credit Card credit score required was 700; this means at least good credit was needed for approval. However, the PayPal Credit Card is no longer available to new applicants.

Alternative Credit Card Option

If you're looking for a similar card, you should consider getting...

View more answers

What's the starting credit limit for the PayPal Credit Card?

Sydney Garth, Credit Cards Moderator

The starting credit limit for the PayPal Credit Card was $250. Every approved applicant's credit limit was determined by multiple factors such as their credit score, income, and payment history. However, it is worth noting that the PayPal Credit Card is no longer available to new applicants.

What...

How do I cancel my PayPal Credit Card?

Evelyn Boros, Credit Cards Moderator

To cancel your PayPal Credit Card, call customer service at (844) 373-4961 or the number on the back of your card. Before canceling, make sure to pay down any outstanding balance you might have on your account.

Here's how to cancel your PayPal Credit Card credit card:

    ...

How much is the PayPal Credit Card annual fee?

Evelyn Boros, Credit Cards Moderator

The PayPal Credit Card's annual fee is $0. So, all the rewards cardholders earn can be pure savings. The card offers 1 - 3 points per $1 spent on certain categories. And it can help you build credit even when you're not using it. Just make sure you...

Where can I check my PayPal Credit Card balance?

Rhonda Stewart, WalletHub Loans Analyst

You can check your PayPal Credit Card balance the following ways:

  • Via phone: By calling PayPal's customer service line at (866) 300-6432.
  • Online: By signing in to your account online.
  • Through the PayPal Mobile app: Download the app for iOS or Android and then log in...

How can I redeem my PayPal Credit Card points?

You can redeem your PayPal Credit Card points online by signing in to your account. Click on PayPal Mastercard and you'll be redirected to Synchrony Bank's site. From there, click on “Rewards & Offers” and select your preferred category for redemption.

Your PayPal reward points can be redeemed for:

...

What can I do if I lost my PayPal Credit Card?

Lisa Cahill, Credit Cards Moderator

If you lost your PayPal Credit Card, call (866) 780-6221 immediately to report it. A customer service representative will cancel the lost card, and you'll be issued a new one.

It's important to report a lost or stolen card as soon as possible since it offers $0 liability...

What bank issues the PayPal Credit Card?

Evelyn Boros, Credit Cards Moderator

The PayPal Credit Card is issued by Synchrony Bank.

This is a co-branded credit card that offers the best rewards when it's used at gas stations and restaurants. Since it belongs to Mastercard's network, however, you can use it almost anywhere they take credit cards.

Apply for paypal credit card

Share your insights and review the PayPal Credit Card

What's Your Rating?

HILDA

November 5, 2022 • @hildam_2

5 Star Rating

Verified Customer

Good card to have for emergency. has rewards when you purchase from places you shop. PayPal is a trustworthy company and protects you from fraud.

Comment

ednagel

October 29, 2022 • @ednagel

2 Star Rating

Verified Customer

The only good thing is the 2% cash back. The customer service is horrible. They freeze large payments making your available credit unavailable for over 14 days. Their interest rates are insane. So keep your balance low, pay it off every month and don't expect any service from them if anything goes wrong.

Comment

Stephane LEPAGE

October 10, 2022 • @lepageusa

2 Star Rating

Verified Customer

IT IS MORE A LINE OF CREDIT THAN A CREDIT CARD REALLY, BUT I WAS EASY TO GET, PAYPAL ARE FAST ON FEES, YOU CAN NOT BE LATE, I DO RECOMMEND THIS PRODUCT - INTEREST RATE INSANE

Comment

Demetri M

October 9, 2022 • @dmon2828

4 Star Rating

Verified Customer

Honestly haven’t used the card enough to give a full on review given the state of the economy (inflation = reduction of spending power and all that) so my online shopping has lessened which for me will be the times I will utilize the card since to get the max rewards you have to use pay pal to purchase items.

Fwiw: initially was denied when applying and my score wasn’t great but after a year of getting it up to the “good” level around 706 at the time of reapplication, they approved for a bit over $1000 I think it was. Which helps mostly to reduce my overall utilization rate more than anything.. I highly weighted component of one’s score according to Experian, wallet hub, google, and NerdWallet..

Comment

Daniel

October 4, 2022 • @daniel_resendez2323

5 Star Rating

Verified Customer

Very Very Good Card! Great Benefits & Rewards. Great Customer Service. This Card Has Alot Different Stuff In Regards To All Rewards.

Comment

Diane

September 12, 2022 • @dmchittenden

1 Star Rating

Verified Customer

Unable to decline card. Did not give interest rate prior to approval and could not decline once approved. Had to call to close card.

Comment

Ray

September 11, 2022 • @randehayes

5 Star Rating

Verified Customer

They raised my limit without my asking. Great card. Love it!!! I use this card for my on line purchases, and I love the convenience and security of PayPal.

Comment

Lewis

September 8, 2022 • @lewtripp1947

5 Star Rating

Verified Customer

Good Card. 2% cash back on every purchase. No annual fee. If you plan to pay in full, every month, then this card is about is a valuable asset.

Comment

Joyce

August 30, 2022 • @crowjo56

1 Star Rating

Verified Customer

Don't bother with getting this card. I opened the acct and thought I could transfer money to my personal bank. But low and behold I cannot, I can only buy things and send money to friends and or family!!!! Why in the heck would I want to do that. So I closed it before I could even use it. Oy Vey the acct is high interest and BAD news ? Don't do it!!!!

Comment

Marita Lawler

August 20, 2022 • @mlawler_phd

4 Star Rating

Verified Customer

World travel creates special financial difficulties. I appreciate that my PayPal credit card is the best way to access funds when involved in missions work in China or Kenya.

Comment

Review PayPal Credit Card

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Can I pay someone on PayPal with a credit card?

PayPal allows you to make payments using a variety of methods including: PayPal balance, a bank account, PayPal Credit, debit or credit cards, and rewards balance. This page does not address unauthorized transactions.

Is sending money through PayPal with a credit card a cash advance?

Is using your credit card on PayPal a cash advance? Payments made through PayPal aren't considered cash advances, so you shouldn't expect a fee or cash advance APR on the transaction from your bank.