What is the PayPal Cashback Mastercard?

The PayPal Cashback Mastercard is a credit card that offers you the ability to earn 3% cash back when you check out with PayPal and choose your PayPal Cashback Mastercard for payment, and earn 1.5% cash back on all other purchases where Mastercard is accepted. For additional details on rewards, see the PayPal Cashback Mastercard Rewards Program Terms.

What other benefits does the PayPal Cashback Mastercard offer?

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

*See Terms and Rates for New Accounts
** Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.

When can I start using my PayPal Cashback Mastercard?

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 card.

How long will it take to receive my card?

Your card will be mailed within 7-10 business days. It is important that you activate your credit card immediately to ensure your full credit line is available to you.

How do I start using my card? 

Upon approval, in most cases, you can start using your virtual card and temporary credit line right away through your account with PayPal wherever PayPal is accepted.

When you receive your card in the mail, you can call to activate using the number provided, scan the QR code provided and follow the prompts, or visit paypal.com/cashbackcardactivation.

Your card is added automatically to your PayPal wallet. When making a purchase with PayPal, just choose your PayPal Cashback Mastercard as your payment source.

Can I add an authorized user to my account?

Yes, you can add up to 6 authorized users to your PayPal Cashback Mastercard. To add an authorized user, log into your account with PayPal, go to your PayPal Cashback Mastercard and then tap the Manage tab. You can add and manage your authorized users here.

Important information about authorized users:

• Each person you add will get their own card that will be mailed to your billing address.
• They’ll also be reported to the credit bureaus as an authorized user on your account.
• You can only earn 1.5% for authorized user purchases since their cards can’t be added to a PayPal account.
• You’re responsible for any charges made by your authorized users and for all payments due on your account.

How do I access my account?

You can access your account anytime via the PayPal app and PayPal.com. Be sure to download the latest version of the PayPal app to get the best experience. You can also enable automatic app updates on your smartphone, to ensure you have the latest version of the app every time an update is released.