PayPal Credit Card

Meet the new PayPal Credit Card

With the PayPal Credit Card, enjoy No Interest if paid in full in 6 months on qualifying travel purchases posted to your account by January 31, 2026. Plus, enjoy special financing on purchases of $149+ when checking out with PayPal.1 Pay for hotels, flights, and more everywhere Mastercard® is accepted, with no impact to your credit score if declined.2

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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. 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
Person holding a New PayPal credit card.

Your go-to for travel and everyday purchases

Travel offer

If approved for the PayPal Credit Card, pay over time for all qualifying travel purchases like hotels, rental cars, and flights posted to your account by January 31, 2026.1

Everyday offer

​Six months special financing isn’t an intro promotion, it’s an everyday offer for all purchases of $149+ for both PayPal Credit Card and PayPal Credit digital line, when you check out with PayPal.1

No annual fee

For both PayPal Credit Card and the PayPal Credit digital line, there’s no annual fee or impact to your credit score if declined.2 See Terms and Conditions.

Shop more

Use your PayPal Credit Card everywhere Mastercard® is accepted. Plus, just like the PayPal Credit digital line, your card is automatically added to your PayPal wallet for use at millions of stores online.

Shop confidently

Purchase Protection

You're covered by PayPal for eligible purchases you don't receive or if something shows up significantly different than described. Terms and limitations apply

About Purchase Protection

Safe. Secure. And so much more.

With the PayPal Credit Card, enjoy the benefits of Mastercard®. Gain access to ID Theft Protection, travel concierge services, and more. See Mastercard Guide to Benefits for details.

Access a powerful shopping network

Pay with either the PayPal Credit Card or PayPal Credit digital line and get 6 months special financing on purchases of $149+ at millions of online merchants that accept PayPal.1

How to apply

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.

Start your application

Get a decision in seconds

If approved,

start shopping

Frequently asked questions

All in the

PayPal app

It’s your do-it-all digital wallet. Load up on offers before you shop. Track your packages. And manage it all on the go.

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.
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.
PayPal may earn a commission when you use one of our coupons/links to make a purchase.