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Earn points on eligible purchases when you shop with PayPal. Redeem them for cash back1 or save them up for later—while keeping track of it all from the app. You only need a PayPal account to get started. No sign ups or registration necessary.

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Split your purchase into 4 interest-free payments with no late fees,2 or buy bigger and pay smaller with monthly installments.3

PayPal Cashback Mastercard®

Shop with the new PayPal Cashback Mastercard® to earn unlimited 3% cash back4 on PayPal purchases and unlimited 2% on all other eligible purchases. No restrictions, rotating categories, or annual fee.5

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1Eligible items only. Redeem points for cash back or other options. Terms and merchant exclusions apply.
2Pay in 4 is available to consumers upon approval for purchases of $30 - $1500. Pay in 4 is currently not available to residents of MO, NV, or NM. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. When applying, a soft credit check may be needed, but will not affect your credit score. You must be of legal age in your U.S. state of residence to use Pay in 4. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. Offers are not pre-approved offers or firm offers of credit.
3Pay Monthly is subject to consumer credit approval. 9.99-29.99% APR based on the customer’s creditworthiness. Terms may vary based on purchase amount. For example, a $600 purchase can be paid at 18% APR in 6 monthly payments ($105.34/mo.; $32.02 interest; $632.02 total of payments), 12 monthly payments ($55.02/mo.; $60.20 interest; $660.20 total of payments), or 24 monthly payments ($29.96/mo.; $119.07 interest; $719.07 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Offer availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CO, HI, MA, NV, NY, or TX. You must be of legal age in your U.S. state of residence. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): CT Small Loan Licensee. RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
4Purchases subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. Review Rewards Programs Terms. for details and restrictions.
5Review Terms and Rates for New Accounts.
Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to transfer your Cash Rewards to your PayPal balance. If you do not have that account, you can transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
6PayPal covers all transaction fees only when donating in support of a charity to PayPal Giving Fund, a 501(c)(3) charity, subject to its terms. Donations can take up to 45 days to get to your chosen charity. It’s rare, but if we can’t send your money to this charity, we’ll ask you to recommend another. If we can’t reach you, we’ll send it to a similar charity and keep you updated. Your donation is typically tax-deductible in the US.
All screen images shown are for illustrative purposes only. Actual experience will be based on account activity.
PayPal, Inc. NMLS ID #910457