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Send money securely around the world. Pay later nearly everywhere you shop. Support causes that matter to you. Explore crypto1. Who knew one app could be so mighty?

Flex your purchase power

Here’s a rewards program that pays

Earn points on eligible purchases when you shop with PayPal. Redeem them for cash back2 or save them up for later—while keeping track of it all from the app. You only need an account with PayPal to get started. No signups or registration necessary.

About PayPal Rewards  

Buy now. Pay Later. No late fees.

Split nearly any purchase into 4 interest-free payments. Or pay in monthly installments. With us, you’ve got options. All with no late fees.3

Buy now, pay later  

This card delivers unlimited cash back (for real!)

Shop with the PayPal Cashback Mastercard® to earn unlimited 3% cash back4 on PayPal purchases and unlimited 1.5% on all other eligible purchases. No restrictions, rotating categories, or annual fee.5

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1
When you buy or sell cryptocurrency, including when you check out with crypto, we will disclose an exchange rate and any fees you will be charged for that transaction. The exchange rate includes a spread that PayPal earns on each purchase and sale. See cryptocurrency fees
Buying and selling cryptocurrency is subject to a number of risks and may result in significant losses. Please see our disclosure here for more details. PayPal does not make any recommendations regarding buying or selling cryptocurrency. Consider seeking advice from your financial and tax advisor. All custody of and buying and selling in cryptocurrency is performed for PayPal by its licensed service provider, Paxos Trust Company, LLC. Buying, selling, and holding cryptocurrencies is not regulated in many states, including the State of California. PayPal, Inc. is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Buying, selling, and holding cryptocurrency with PayPal is not available in Hawaii and where prohibited by law.
2
Eligible items only. Redeem points for cash back or other options. Terms and merchant exclusions apply.
3
Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO or NV. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender License, NMLS #910457. RI Small Loan Lender Licensee. NM residents. Find more disclosures related to Pay in 4.
Pay Monthly is subject to consumer credit approval. Fixed APR is 9.99-35.99% based on your credit. Rates as low as 4.99% from time to time. Terms may vary based on purchase amount. For example, a $600 purchase can be paid at 22% APR in 6 monthly payments ($106.51/mo.; $39.08 interest; $639.08 total of payments) or 12 monthly payments ($56.16/mo.; $73.88 interest; $673.88 total of payments).  A $2,500 purchase can be paid at 22% APR in 24 monthly payments ($129.70/mo; $612.69 interest; $3,112.69 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, HI, MA, NV, NY or TX. You must be 18 years old or older to apply. 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.​
4
Purchases subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. Review Rewards Programs Terms for details and restrictions.
5
Review 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.
6
PayPal 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