PayPal Credit Card
Regular purchase APR
29.64%* Variable
Annual fee
$0
Additional rates and fees
Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
29.64%* Variable
Intro balance transfer APR
N/A
Regular balance transfer APR
N/A
Cash advance APR
29.64%* Variable
Cash advance fee
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late fee
Up to $41.00.
Penalty APR
34.24%* Variable
Balance transfer fee
N/A
Foreign transaction fee
3%
Return payment fee
Up to $41.00.
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Special financing isn’t an intro promotion, it’s an everyday offer for all purchases of $149+ with the PayPal Credit Card, everywhere PayPal and Mastercard are accepted, and online with the PayPal Credit digital line when checking out with PayPal.¹
- Apply with no impact to your credit score if you're declined.² 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
- Enjoy no annual fee.³
- Plus, unlock the benefits of Mastercard®. Gain access to ID Theft Protection, travel concierge services, and more.⁴
- Enjoy No Interest if paid in full in 6 months on all purchases of $149+, everywhere PayPal and Mastercard® are accepted. Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required. Subject to credit approval. See terms.
¹ For offer terms and rates, See Terms.
² An approved application will result in a hard credit inquiry, which may impact your credit score.
³ See Terms and Conditions.
⁴ See Mastercard Guide to Benefits for details.
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.
The PayPal Credit Card and PayPal Credit digital line are issued by Synchrony Bank. The PayPal Credit Card is issued pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.