paypal credit physical card benefits

The PayPal Cashback Mastercard allows you to earn 3% cash back when you check out with PayPal.1 The PayPal Credit Card and PayPal Credit digital line offer promotional financing, unlocking the ability to pay over time.

PayPal Newsroom

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Press Release: PayPal Enhances Popular Online Credit Offering with New Physical Card for In-Store Use - Jun 3, 2025

When using the new physical card, customers will also have access to a limited-time offer to pay for travel purchases over six months with promotional financing and no minimum spend1.

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People also ask

Can I choose whether I get a PayPal Credit Card or a PayPal Credit digital account?

No. If approved, you’ll get either a PayPal Credit Card or a PayPal Credit digital line based on your credit history.

paypal.com

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PayPal Cards and Credit Options | PayPal US

What benefits does the PayPal Cashback Mastercard offer?

With the PayPal Cashback Mastercard, there’s no annual fee and no rotating categories. Easily redeem the cash rewards you earn to PayPal anytime, anywhere with the PayPal app and PayPal.com. Plus, you can get all the benefits of Mastercard like ID Theft Protection and microchip technology. See the Mastercard Guide to Benefits for details.

paypal.com

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PayPal Cashback Mastercard®: Up to 3% Cash Back | PayPal US

Does PayPal provide access to credit?

Yes, PayPal offers several products that provide access to credit. The PayPal Cashback Mastercard allows you to earn {{APR.unlimitedCashbackPercent}} cash back when you check out with PayPal. The PayPal Credit Card and PayPal Credit digital line offer promotional financing, unlocking the ability to pay over time.

paypal.com

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PayPal Cards and Credit Options | PayPal US

PayPal

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PayPal Credit Card FAQs | PayPal US

With the physical card, you can swipe or tap to pay in store for purchases like groceries, fuel, and more, everywhere Mastercard is accepted. You’ll also be able to service your card directly in the PayPal app and website.

FinTech Global

fintech.global › paypal credit goes physical with mastercard-enabled card for travel and everyday spending

PayPal Credit goes physical with Mastercard-enabled card for travel and everyday spending

June 4, 2025 - In addition to standard six-month promotional financing on PayPal purchases over $149, the new card also comes with a limited-time travel financing offer. This allows customers to spread payments for qualifying travel-related expenses—such ...

Join Kudos

joinkudos.com › blog › paypal-credit-card-review-new-physical-card-with-6-month-travel-interest-free-financing

PayPal Credit Card Review: 3% Cash Back vs 1.2★ Rating

Want travel benefits or purchase protections beyond basic Mastercard coverage · More: ‍ · ‍ · ‍ · Average approval score: 683 (per Credit Karma member data) Score range: Most approvals fall between 640-750 · Soft pull for declined applications (won't impact credit score) ‍ · ‍ · Average credit limit: $6,185 · Instant virtual card number for immediate PayPal purchases · Physical card arrives within 7-10 business days ·

PayPal

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PayPal Cashback Mastercard®: Up to 3% Cash Back | PayPal US

If you're approved, in most cases, a temporary credit line will instantly be available, which you can use on PayPal purchases right away with your virtual card – even before you receive your physical ...

Retail TouchPoints

retailtouchpoints.com › home › paypal credit introduces physical card for brick-and-mortar payments

PayPal Credit Introduces Physical Card for Brick-and-Mortar Payments - Retail TouchPoints

June 3, 2025 - “Bringing together Mastercard’s global acceptance network with PayPal’s trusted digital platform, this new offering extends PayPal Credit with a physical card that empowers cardholders to shop seamlessly and confidently everywhere — whether they’re booking summer travel or making everyday purchases,” said Adam Granoff, EVP, Global Partnerships at Mastercard in a statement.

Fintechnews

fintechnews.am › fintech-usa › 53975 › paypal-credit-physical-card-launch

PayPal Introduces Physical Credit Card for In Store and Travel Purchases - Fintech News America

June 5, 2025 - With the addition of a physical card, users can now access the same flexible payment features in person. Customers will continue to benefit from the existing six month promotional financing offer on PayPal purchases over US$149.

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reddit.com › r/creditcards › paypal credit automatically upgrading to a physical card?

r/CreditCards on Reddit: PayPal Credit Automatically Upgrading to a Physical Card?

May 29, 2025 -

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!

Top answer

1 of 63

Got the same email (and concluded it probably wasn't a scam) but it sucks to have to opt out instead of being able to opt in because I don't want to close my PP Credit account (I use the "no interest for 6 months" aspect quite often to spread payments) and don't want another physical credit card.

2 of 63

I just got this email too. The FAQs are helpful to read - you're not losing the 0% interest six month financing option as long as you checkout using PayPal. The difference is now you can use it in stores or on websites that don't accept PayPal. My question is: how would accepting the upgrade to the card affect my credit, if at all? Is it viewed the same way as the line of credit with synchrony or would it show as a new account once the "upgrade" takes place? Specifically, is it part of my credit utilization ratio as a line of credit currently? If it's not, it would definitely become part of it with a card and my credit score could take a hit if I use the zero interest financing and carry a balance for six months. I got this offer a few months ago with Care Credit and declined it because it would have been a new hard inquiry on my credit, as I understood it. So I'm hesitant to accept this one from PayPal for similar reasons.

Upgraded Points

upgradedpoints.com › home › news

New Physical PayPal Card With Special Offer for Travel Purchases

July 28, 2025 - PayPal has launched a new physical credit card that has a limited-time offer for no interest on travel purchases made in the first 6 months.

PayPal

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PayPal Holdings, Inc. - PayPal Enhances Popular Online Credit Offering with New Physical Card for In-Store Use

When using the new physical card, customers will also have access to a limited-time offer to pay for travel purchases over six months with promotional financing and no minimum spend1.

PayPal

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PayPal, Inc. - PayPal Enhances Popular Online Credit Offering with New Physical Card for In-Store Use

When using the new physical card, customers will also have access to a limited-time offer to pay for travel purchases over six months with promotional financing and no minimum spend1.

The Paypers

thepaypers.com › payments › news › paypal-launches-physical-credit-card-for-online-and-in-store-purchases

PayPal launches physical credit card for in-store use

The Mastercard credit card, issued by Synchrony, expands the existing digital PayPal Credit offering by allowing transactions at both online checkouts and in-store locations where Mastercard is accepted. This new feature joins the PayPal Cashback Mastercard as another physical option for online and in-store use.

PayPal

paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit

PayPal Credit: Your Reusable Credit Line | PayPal US

See Mastercard Guide to Benefits for details. Pay with either the PayPal Credit Card or PayPal Credit digital line and get 6 months special financing on purchases of $149+ at millions of online merchants that accept PayPal.1

PYMNTS.com

pymnts.com › home › paypal adds physical credit card for in-store bnpl

PayPal Adds Physical Credit Card for In-Store BNPL | PYMNTS.com

June 4, 2025 - It joins the PayPal Cashback Mastercard, providing another physical option for online and in-store use. Bart Schaller, executive vice president and CEO, Digital at Synchrony, said in the release that the new physical card option gives customers greater purchasing power online and offline.

reddit.com › r/creditcards › paypal credit - can i turn it into a physical card?

r/CreditCards on Reddit: PayPal Credit - can I turn it into a physical card?

November 9, 2022 -

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.