What is the difference between PayPal Credit Card and 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 January 31, 2026,1 plus use it everywhere Mastercard® is accepted. When you check out with PayPal, use your PayPal Credit Card to unlock special financing on all purchases of $149 or more.1
If you aren’t approved for the PayPal Credit Card, you may still get approved for 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.1
1For offer terms and rates, refer to Terms.
How do I apply for a PayPal Credit account?
You can apply for a PayPal Credit account from the PayPal website or in the PayPal app.
When you apply for a PayPal Credit account, you’ll be asked to provide your date of birth, your income after taxes, the last 4 digits of your Social Security number, and agree to the Terms and Conditions. You’ll know within seconds if you are approved for a PayPal Credit Card or a PayPal Credit digital line.
The PayPal Credit Card and PayPal Credit digital line are subject to credit approval and are available to US customers who are of legal age in their state of residence.
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.
Where can I use my PayPal Credit Card?
You can use your PayPal Credit Card everywhere Mastercard is accepted, if approved. If you use your card outside of the US, there is a Foreign Transaction Fee of 3%. You can also use your PayPal Credit Card with millions of merchants, wherever PayPal checkout is available.
Where can I use my PayPal Credit digital line?
You can use your PayPal Credit digital line with millions of merchants, wherever PayPal checkout is available.
The PayPal Credit digital line and PayPal Credit Card are issued by Synchrony Bank. The PayPal Credit Card is issued pursuant to a license by Mastercard International Incorporated.