10k is the max limit you can request online for all synchrony cards. If you want anything higher than 10k, you must call in and they may have you provide financial documents. Answer from Deleted User on reddit.com
PayPal
paypal.com › us › cshelp › article › when-can-i-start-using-the-physical-card-associated-with-my-paypal-credit-card-or-paypal-cashback-mastercard-how-long-will-it-take-to-receive-it--help620
When can I start using the physical card associated with my PayPal Credit Card or PayPal Cashback Mastercard? How long will it take to receive it? | PayPal US
You'll receive your physical card within 10 business days of approval. Once you receive your card, it's important that you activate your credit card immediately to ensure your credit limit is fully available.
PayPal
paypal.com › us › cshelp › article › what-is-the-credit-limit-on-my-paypal-credit-card-or-paypal-credit-digital-line-help473
What is the credit limit on my PayPal Credit Card or PayPal Credit digital line? | PayPal US
To check the limit on your account, go to your Dashboard , click your account and view your available credit. Synchrony Bank determines the credit limit on your account. If you have questions regarding your PayPal Credit Card, please contact Synchrony Bank at (844) 209-7457.
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How To Check PayPal Limits - YouTube
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
paypal.com › us › digital-wallet › ways-to-pay › credit-services
PayPal Cards and Credit Options | PayPal US
What is the difference between the PayPal Credit Card and the PayPal Credit digital line?
The PayPal Credit Card is a travel companion and so much more. Use it to pay over time on all qualifying travel purchases posted to your account by September 30, 2026, plus use it wherever Mastercard is accepted. When you check out with PayPal, use PayPal Credit Card to unlock special financing on all purchases of $149 or more.
If you aren’t approved for the PayPal Credit Card, you might still get a PayPal Credit digital line. This is a reusable, digital line of credit, with the same special financing offer when you check out with PayPal on purchases of $149 or more.
paypal.com
paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit
PayPal Credit: Your Reusable Credit Line | PayPal US
Can I choose whether I get a PayPal Credit Card or a PayPal Credit digital line?
No. If approved, you’ll get either a PayPal Credit Card or a PayPal Credit digital line based on your credit history.
paypal.com
paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit
PayPal Credit: Your Reusable Credit Line | PayPal US
Reddit
reddit.com › r/creditcards › does the paypal credit card have a max credit limit?
r/CreditCards on Reddit: Does the PayPal credit card have a max credit limit?
August 19, 2022 -
I just got increase from $2,500 to $5,000. I’m just curious what limit everyone else has. I asked for 5k and they gave it to me. Next time around, I’m probably going to ask for 10k so I want to know if there’s an upper limit to what they let you borrow
Top answer 1 of 6
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10k is the max limit you can request online for all synchrony cards. If you want anything higher than 10k, you must call in and they may have you provide financial documents.
2 of 6
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They started me out at $8k, I’ve had the card about a month. I’m pretty satisfied with that limit but $10k would be cool.
PayPal
paypal.com › us › campaign › paypal-credit-card › faq
PayPal Credit Card FAQs | PayPal US
As a PayPal Credit Card cardholder, you will receive the following features and advantages: Get No Interest if paid in full in 6 months on qualifying travel purchases posted to your account by 9/30/2026 and continue to enjoy No Interest if paid in full in 6 months on PayPal purchases of $149+ when checking out with PayPal.¹ · With the physical card, you can swipe or tap to pay in store for purchases like groceries, fuel, and more, everywhere Mastercard is accepted.
PayPal Newsroom
newsroom.paypal-corp.com › 2025-06-03-PayPal-Enhances-Popular-Online-Credit-Offering-with-New-Physical-Card-for-In-Store-Use
Press Release: PayPal Enhances Popular Online Credit Offering with New Physical Card for In-Store Use - Jun 3, 2025
This expands its popular digital PayPal Credit offering to use both online when checking out with PayPal and in-store and everywhere Mastercard® is accepted. 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
paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit
PayPal Credit: Your Reusable Credit Line | PayPal US
Minimum monthly payments required. Subject to credit approval. See terms. If approved, you'll get a PayPal Credit Card to use everywhere Mastercard is accepted or a PayPal Credit digital line to use when checking out with PayPal with the same special financing on purchases of $149+.1
PayPal
paypal.com › us › digital-wallet › ways-to-pay › credit-services
PayPal Cards and Credit Options | PayPal US
Use the PayPal Credit Card for ... Credit Card and the PayPal Credit digital line, pay over time on all purchases of $149 or more2 when checking out with PayPal....
Reddit
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
10
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.
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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.
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
Credit Karma (More Positive):"If you use PayPal a lot this card is even better. Cashback the next day on every purchase... My card was issued with a starting limit of $5,000."
PayPal
paypal.com › us › cshelp › article › what-is-the-credit-limit-on-my-ebay-extras-mastercard-paypal-extras-mastercard-smart-connect-paypal-cashback-mastercard-paypal-credit-card-or-paypal-credit-digital-line--help617
What is the credit limit on my eBay Extras Mastercard, PayPal Extras Mastercard, Smart Connect, PayPal Cashback Mastercard, PayPal Credit Card, or PayPal Credit digital line? | PayPal US
Synchrony Bank sets your credit card limit, viewable by logging into PayPal and selecting your eBay Extras or Cashback Mastercard.
PayPal
paypal.com › us › cshelp › article › can-i-request-a-credit-limit-increase-on-my-paypal-smart-connect-help624
Can I request a credit limit increase on my PayPal Smart Connect? | PayPal US
If you need help, call the customer service number on your card. They are available to assist you with your request and answer any questions you may have.
WalletHub
wallethub.com › popular credit card questions
What's the starting credit limit for the PayPal Credit Card?
November 12, 2025 - Back CD Rates Checking Accounts ... new applicants. ... The starting credit limit for the PayPal Extras Mastercard was $250, at a minimum....
PayPal
paypal.com › us › cshelp › article › what-is-the-paypal-cashback-mastercard-help752
What is the PayPal Cashback Mastercard? | PayPal US
If you're approved, in most cases, a temporary credit limit will instantly be available, which you can use on PayPal purchases right away with your virtual card – even before you receive your physical card.
Quora
quora.com › I-got-approved-for-a-800-limit-on-PayPal-credit-is-this-a-one-time-800-or-is-800-credited-to-me-every-month-like-a-credit-card-as-long-as-I-pay-the-bill
I got approved for a 800$ limit on PayPal credit, is this a one time 800$ or is 800$ credited to me every month like a credit card, as long as I pay the bill? - Quora
Answer (1 of 7): It is your total spending limit even if you have that amount of money and it is a rolling total, You are not going to get $800 credit limit every month. You will be able to spend until your total reaches $800 but at that point, ...
FreshBooks
freshbooks.com › hub › payments › what-is-paypal-credit
What Is PayPal Credit? How to Use It for Shopping
That said, don’t expect limits over a couple of thousand dollars. Those with average credit scores will probably start at $300-500. As I mentioned, this really is for small purchases and online shopping. Larger purchases are better suited for traditional credit cards. Great – you’re in! Now to start using it for your online purchases. You can now use it with any online stores that use PayPal as a payment processor.
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 ...
Reddit
reddit.com › r/creditcards › is there no method to request a credit limit increase on paypal's website?
r/CreditCards on Reddit: Is there no method to request a credit limit increase on PayPal's website?
July 2, 2025 -
I have PayPal Credit and now a physical PayPal Mastercard "Cashback World" card. I'm phasing out the former for the latter due to the 3% cash-back bonus.
For PayPal Credit, though, you just go to "Credit Services" in the top-right of the site, click "Request Credit Increase", and you're good.
I see no such option for the Mastercard.
Do you have to call them every time you want a credit limit increase for the Mastercard or is this a "You're at the mercy of whenever Synchrony gives you a limit increase" kind of thing?
Reddit
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.
PayPal Community
paypal-community.com › t5 › Products-Services-Archives › I-have-PayPal-Credit-Is-there-a-card-that-comes-with-it-or-do › td-p › 2876770
I have PayPal Credit. Is there a card that comes ... - PayPal Community
Welcome to the community and thank you for your post. PayPal Credit is like a credit card, without the plastic. You'll not receive a physical card. It’s a credit limit that’s attached to your PayPal account which you can use for your online purchases. If your application is successful, ...
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 - To promote the new physical cards, PayPal Credit has made a limited-time offer to pay for travel purchases such as flights, hotels, cruises and ride shares over a six-month period with promotional financing and no minimum spend.