Rewards
3% cash back
Earn 3% on Eligible Purchases you make using your Card Account through your PayPal account
2% cash back
Earn 2% cash back on all other purchases
Signup Bonus
Earn $100 after spending $500 within your first 90 days of opening your account.
Pros & Cons
Pros
- No annual fee
- Up to 3% cash back
Cons
- No welcome bonus
- High APR
- Foreign transaction fee
- Requires good credit
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Google Pay, Samsung Pay, PayPal |
| Benefits | Purchase Protection, 24/7 customer service |
| Travel Perks | None |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction. |
| Regular APR | 15.24% to 27.24% (V) APR |
What Credit Score is Required to Get the PayPal MC
Based on data we’ve collected from public forums such as myFICO and Reddit, a credit score of 750 or higher is ideal. Keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 06/07/2022 | Equifax | ||
| Approved | 06/07/2022 | Experian | ||
| Approved | 06/07/2022 | TransUnion | ||
| Approved | 06/11/2022 | TransUnion | ||
| Approved | 05/27/2022 | TransUnion |
What are the best alternatives?
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Synchrony Premier World Mastercard®
Rating
4.6
Rewards Range
2%
Annual Fee
$0
Capital One Spark Cash Select - $500 Cash Bonus
Rating
4.7
Rewards Range
1.5% - 5%
Annual Fee
$0