# PayPal Rewards and Cash Back

## Stack up offers.

## Rack up rewards.

Discover cash back offers^1^ from top brands in the app and check out with PayPal. Get 5% cash back on offers in your PayPal Debit Card monthly category.^2,3^ Or use the PayPal Cashback Mastercard® to earn 3% cash back on top of your offers.^4^

![Man wearing denim smiling with cash back offer overlay](https://www.paypalobjects.com/marketing/web23/us/en/ppe/rewards/hero_size-mobile-up.jpg?quality=40&width=300)

## Here’s how PayPal Rewards work:

### Scoop up your cash back offers

Get 1%, 2%, 5% cash back^1^ from top brands. We’ll apply your offers when you check out with PayPal. And we’ll let you know when they’re ready to redeem.

### Choose your PayPal Debit Card monthly category—gas, groceries, and more—then get 5% cash back when you shop it.^3^ Spend anywhere Mastercard is accepted.^2^

### Or earn up to 3% cash back

Earn 3% back on your PayPal purchases.^4^ And 1.5% back on other purchases. Use the PayPal Cashback Mastercard anywhere Mastercard is accepted. No annual fee.^5^ No impact to your credit score if you're declined.^6^

## Shop with confidence

Your transactions are encrypted. Plus, we never share your full financial info.

## Frequently asked questions

### Do I need to sign up to get cash back and earn rewards points?

There is no separate PayPal Rewards enrollment process. You only need an account with PayPal to start earning rewards. You can check your account to track and manage your PayPal Rewards anytime.

### How do I stack up offers with PayPal?

You can use multiple offers at the same time when paying with PayPal. Use the PayPal app to find cash back offers. We'll automatically apply them when you check out.

### Do I need the app to get cash back offers and earn rewards points?

While you don't need the app to earn PayPal Rewards, it's the best way to find and maximize your cash back, manage your rewards activity, and redeem cash back when you're ready.

### How much are PayPal Rewards points worth?

100 PayPal Rewards points = $1 redemption value.

### How do I use my PayPal Rewards points?

Redeem your Rewards points for cash and other options. You can use the cash back you earn when you make eligible purchases with PayPal checkout. You can transfer cash back to your PayPal Savings account and earn a current 3.65% APY.^8^ Or, transfer it to your PayPal Balance, and more.

### Can I earn points and my credit card rewards on the same purchase?

Yes, you can maximize your rewards with PayPal. Link and use your eligible credit card to automatically earn your credit card rewards when you check out with PayPal. You will earn PayPal Rewards on top of that.

## More ways to pay and earn

### PayPal Credit Options

### PayPal Savings

### Buy Now, Pay Later

### Add Cards and Banks

## 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.

[Get the app](https://paypal.com/mobile-app/dashboard?source=%252Fdigital-wallet%252Frewards_cta&pp_ref_id=fe478788-6734-4a74-b1fe-6718213acc56&utm_campaign=&utm_medium=web&utm_source=%2Fdigital-wallet%2Frewards&cust=&redirect=true)