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
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
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
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. And manage it all on the go.