I signed up for PayPal credit a long time ago, not realizing it wasn’t a physical card. It just a digital line of credit. Is there anyway to turn that into a physical PayPal card? Right now I just use it for a couple small recurring charges and for eBay.

So I got an email from PayPal which says the following:

You're being upgraded' Congratulations. Your PayPal Credit digital line will be upgraded to the new PayPal Credit Card!' Until then, keep enjoying all the features you know and love. The new PayPal Credit Card is a Mastercard® that expands your previous PayPal Credit digital line with a physical card, limited time special financing for qualifying travel purchases, and added flexibility beyond your PayPal wallet. It can be used online and in store, everywhere Mastercard is accepted. If you don't want the PayPal Credit Card, you can decline the upgrade by using the link below.

Has anyone else gotten this recently? It sounds like it will close my PayPal credit line and essentially open a new card, but this is my second oldest account with a decent limit on it. Should I just decline it, or are they phasing out PayPal Credit and if I don’t accept it I’ll get phased out of the account I have soon anyway?

Thanks for any advice on this!

I’m mostly just venting here, but I also wanted to provide a PSA: Be careful with this card. I just had a terrible experience. I’ve used PayPal Credit for YEARS and have had nothing but great experiences. I’ve also got a PayPal World Cash Back Mastercard and it’s always been my favorite credit card.

Anyway, the flyer I received in the mail advertising the new PayPal Credit physical card made it sound like I’d still get the 6 months no interest on a purchase made using the PayPal Credit Credit Card, even in-store (why else offer a physical card?). I was so excited to have an option like this available, as it would give me a little more flexibility VS. being restricted to just online.

I made a $325 purchase at Best Buy on 11/10 and noticed it was never on a promotion. I called and she said it doesn’t quality. That you have to actually check out with PayPal.

I’m sorry? I USED YOUR PHYSICAL CARD IN THE STORE. That’s essentially the same as checking out with PayPal. I mean, why offer a PHYSICAL card??? This is just dumb. And to make matters worse, they said they couldn’t move it over to a 6 month promo, even as a courtesy for a “misunderstanding”.

This card is just terrible and they need to work on how this is advertised. It’s getting cut up and I will only ever use PayPal Credit in the future for online transactions - like I always have. In the meantime, I will be paying this balance off in full, ASAP.

So irritated right now. 🤬 This also has to be the worst Customer Service experience I’ve had with PayPal (the first agent hung up on me when I was just trying to get him to explain WHY I didn’t get the promo).

Note: Before I get shredded for not fully reading the terms, yeah. That may have been on me. But when it’s front and center in the letter you get (for a card that’s auto-issued), it was easy to assume the whole purpose of them sending a physical card was so you can take advantage of the same 6 month offer for $150 or more with in-store purchases. Otherwise, isn’t it redundant to the existing PayPal Credit digital purchase system (check out with PayPal and just choose “PayPal Credit”), before they rolled out the card?

And I know I’m not the only one that would have thought this…. They’re gonna have a LOT of misunderstandings on how that card works and I honestly expect them to know that and capitalize on it. It’s borderline false advertisement.

PayPal never sent me an email that they were "upgrading" my PayPal credit account and sending this to me until after it was too late to opt out. I just got this card in the mail today. I have no intention of ever using this card I did not ask for and do not want. I do want to keep my PayPal Credit account though for online purchases.

Can I just... not activate this card? Is there anything else additionally that I need to do?

Not the cashback card, but around the beginning of June, they said they were upgrading my digit line of credit (the 6-month no interest if $149+ spent) to a physical card and I opted in.

They said it would take 8-12 weeks to ship and I’m on week 12 (I actually opted in May 29th). Just curious if anyone had gotten it.

Thanks!

New article about a new credit card. Not a lot of details: "The new credit card, issued by Synchrony Financial, will launch with a six-month promotion offering no-interest financing for qualifying travel purchases including flights and hotels, according to a statement."

Anybody know more about it? (Paypal 'coming soon' link here)

Hey guys. So I am debating to get the online PayPal debit card and I don’t want to get a physical one. I have many people in my house, and I am not the person who check the mail box. I don’t want them to snoop around and ask questions about why I made the PayPal card, even though it is my own money that I got from working. Hence the reason I want only the online one, but I don’t want to sign up for it then have some random advertising mail from in my house mail box and having them asking me question. Do you think PayPal will send anything like that? Thank you

I was offered to change my PayPal Credit Line into the PayPal Credit Card (NOT the cashback MasterCard) and I was wondering what that would entail if I accepted the offer. Does the credit card work the same way as the digital credit line? Do I still get 0% APR for purchases over $150? And if so, does it still only apply to online PayPal purchases or does it also work for purchase made with the physical card? I also want to know if making the switch would count as a PC or if it would close my current account and create a new line of credit. I tried researching this myself and am still confused on how this works. Thank you.

i got paypal credit originally for concert tickets (bc priorities obviously) and figured it’d be good to have for emergencies too. well. surprise. i’m in an emergency. and guess what? i can’t even use the damn credit card?? like where are you even supposed to use it?? i don’t have a physical card, there’s no card number anywhere in my account, and i can’t manually enter the info on sites that don’t use paypal checkout.

i have $3.5k of credit just sitting there, and for what?? how tf are you supposed to use this outside of random stores that take paypal?? why give me a line of credit if i can’t use it when i actually need it? like… what is the point??? it’s just sitting there, useless, while i’m sitting here broke and in crisis. someone please tell me if i’m missing something or if this thing is just actually that useless.

Did anyone else get confused when signing up for a PayPal credit product?

• PayPal Credit (revolving credit line)

• PayPal Credit Card (a Mastercard)

• PayPal Cashback Mastercard (offers cashback rewards, also a Mastercard)

I applied for the PayPal Credit Card, thinking it was the PayPal Cashback Mastercard. I also called customer service, and they said they don't have a process to switch these cards.

Hey guys. Just wanted to let you know PayPal/Synchrony has begun sending out the new PayPal Credit Mastercards this week. They started this program a few months back with their traditional online credit line to create a credit card for it to better compete against Affirm, Klarna, Afterpay, etc. It simply takes PayPal’s online credit line that you can use to finance any purchase over $99 (now $149) for 0% APR for 6 months but now allows you to use the BNPL/0% interest feature anywhere Mastercard is accepted.

I don’t use the credit line much. I still have it as a left over from the Comenity days around 2015 when PayPal didn’t report to credit bureaus, also had a no minimum payments for 6 months feature along with no interest for 6 months, and had a lower $99 threshold which this past year was raised to $149. Anyway, Synchrony took over PayPal’s credit portfolio around 2018 and it’s largely been downhill since then. The one interesting thing they’ve done is recently create a credit card for the credit line to use the 0% interest feature more places. IMO, I’m not sure I’d get the credit line these days now that many of the features that made it appealing have since been terminated but since I already have it, I don’t ever plan to close it. It’s a nice option to have if you’re ever in a bind.

I've tried to search around and I've found mixed reviews. I've used the Paypal pay in 4 a few times, never missed a payment (often paid them early cause I have autism and I despise owing money to anyone, I just get paid bi-weekly and it's easier to break up large bills into manageable pay periods). I hate the concept of credit but I know it's important so I was looking into a solid "first card" but couldn't find an answer I was happy with. I'm not trying to min-max rewards or cash back, or build off nothing. Just a card people can agree on that is good for newbies. I'm no longer a student, a recent grad who is looking for a better job but I know I should be using a credit card for the protection.

I'm pre-approved with Paypal though I would rather know my options before I commit. The only debt I have is my insurance, phone, and student loan bills (Around $250 a month), my grocery bill is about $100 a month, and my income varies from $1000 to $1200 a month (currently searching for a job, but I gotta do what I can).

I prefer being debit only, but that bit my dad in the ass a few years ago so I've got to learn from his mistakes. I'm the type of person who prefers paying upfront, so I already know I won't spend what I don't have. So is Paypal a good starter or should I look for something else as my first credit card.

And if it's worth anything, I am also within the Apple ecosystem so whatever apple has got going on is applicable. I mostly just want something that is sensible and to the point. No hidden fees, no crazy hikes. I don't need a crazy credit limit.

For context I have six cards: Apple Card, discover it, Amex gold, chase freedom flex, chase Amazon prime visa, and the PayPal card

$0 annual fee with 2% cash back everywhere AND 3% cash back when you use PayPal. I use the Apple Card as my default if I can use Apple Pay, but i just moved to a city where Apple Pay is less common and PayPal has been my main method of paying ever since.

I decided to make this post because PayPal notified me today that you can finally add paypal card to apple wallet. That was the one issue I had with the card and it’s been fixed.

People always talk bad about paypal card because of synchrony, but I haven’t had any issues personally. Would love for someone to explain why synchrony is bad.

PayPal has updated the rewards program for their debit card which now includes 5% cash back up to $1000 in spend on one selectable category per month: grocery, gas, dining, health & beauty, and clothing

As someone who goes over $500/mo on regular grocery stores I’ve thought about which card would be best to replace my Citi Custom Cash. Here is my potential line-up

• US Bank Cash+ 5% utilities and cell phone

• US Bank Cash+ (no. 2) 5% internet, streaming and gym

• US Bank Altitude Go 4% dining

• US Bank Ralphs 5% mobile wallet catch-all

• US Bank Harris Teeter 5% mobile wallet catch-all

• Amex Blue Business Cash 2% non-mobile wallet catch-all

• Citi Costco Visa 4% gas

• Citi Custom Cash 5% tolls

• PayPal Debit 5% grocery

• Synchrony Venmo Visa 3% Walmart and wholesale

• Synchrony PayPal Mastercard 3% PayPal

• Synchrony Amazon Store Card 5% Amazon and Wholefoods

• Target Debit Card 5% Target

• Discover It 5% grocery, mobile wallet, and Walmart quarters

Keep in my physical wallet: Altitude Go, Venmo, and Amex BBC

I currently use the Citi Custom Cash for groceries and pre-load my toll tag with it during Discover’s grocery quarter ($7 toll daily)

I just received a PayPal credit card in the mail. Last week when I got an email that they were sending the physical cars, I called and asked them not to send it because I don’t want or need it. They refused my request, which I find bizarre, and here we are.

I will cut this card up and dispose of it. My question for the Reddit gurus is: should I activate it before I destroy it, or throw it out unactivated? Is there a benefit to doing it one way or the other?

Will using the new physical PayPal credit card still give 6 months 0% APR on purchases made in person? Or will that only apply to online purchases made via paypal? If it’s the latter, what’s the purpose of getting/using a physical card with no benefits?

im about 9 credit cards into my journey (maybe another one or 2 im not remembering) and looking for a 10th. i’ve heard mixed reviews about the paypal credit card but i use paypal pretty frequently and there’s a bonus of “apply and get accepted for 5,000 points/$50.00” and with those mixed reviews i wanted to see if it is worth going for and risking, thank you!

I know this isn't exactly a credit card, but I’ve been really impressed with the PayPal Debit Mastercard and thought it was worth sharing here.

• Application took seconds.

• They issue a virtual card instantly, which can be added to Apple Pay / Google Pay immediately.

• Funding it is fast—I link a regular debit card and can move money over in seconds.

• Cashback posts same-day (at least for grocery store purchases), which feels incredibly snappy compared to most credit cards.

Now, I do have the luxury of using Bank of America’s 5.25% cashback at Costco via their Preferred Rewards, which is obviously amazing, but I’m seriously considering switching over to PayPal for the instant cashback and ease of use. That extra 0.25% from BofA might not be worth the wait and hassle.

I know some folks are wary of PayPal (understandably), but you can mitigate the risk by only transferring small amounts at a time—moving funds over takes less than a minute.

Just figured I’d throw this out there for anyone looking for a streamlined cashback experience, even if it’s technically not a credit card.

I just got this email this morning, problem is, I have never requested a PayPal credit card.

I logged in and got a notice my account was being upgraded? What is going on?

I haven't used Paypal in a while so I honestly forget how Paypal even works - but I heard this card gets 3% cashback on all purchases paid with Paypal?! Not even sure what that means, I guess the card would be linked to a Paypal account or something?

For people who have this / know about this card, what are the pros and cons? Is paying with Paypal basically just like Apple pay or is it more complex?

Thanks!