# Shop and Earn Rewards | PayPal US

## Shopping & Rewards

Pay how you want, and pay where you want. And earn cash back while you’re at it. With PayPal, there’s a plus side to your purchases.

### Add Cards and Banks

### PayPal Debit Card

### PayPal Credit Card

## 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%252Fways-to-pay_cta&pp_ref_id=3cea9bfb-06f7-43c0-92a6-560dec206fc9&utm_campaign=&utm_medium=web&utm_source=%2Fdigital-wallet%2Fways-to-pay&cust=&redirect=true)

[Get the App](https://paypal.com/mobile-app/dashboard?source=%252Fdigital-wallet%252Fways-to-pay_cta&pp_ref_id=3cea9bfb-06f7-43c0-92a6-560dec206fc9&utm_campaign=&utm_medium=web&utm_source=%2Fdigital-wallet%2Fways-to-pay&cust=&redirect=true)

## Frequently asked questions

### Where can I shop using PayPal?

PayPal is widely accepted by tens of millions of merchants around the world, including both online and offline retail. The PayPal Cashback Mastercard® and the PayPal Debit Mastercard® can be used everywhere Mastercard is accepted. Even sites where PayPal checkout isn't available.

### What are the different ways to pay with PayPal?

PayPal supports a variety of payment methods. You can choose to pay with your Visa, Mastercard (including the PayPal Cashback Mastercard®), Discover, American Express or bank account. If you have a PayPal Balance account, you can opt to pay with your PayPal balance directly. Or you can pay with your PayPal balance using the PayPal Debit Mastercard®. You can also divide your payments with PayPal Pay Later options.

### Is PayPal a secure payment method?

With PayPal, your transactions are encrypted to help keep your account secure. Plus, when you send a payment, we don’t share your full financial information.

### Where can I track my purchases?

You can track your packages within the PayPal app. This service is accessible regardless of whether you have used PayPal for the transaction.

### What kind of rewards can I get when I pay with PayPal?

Earn rewards on eligible purchases from your favorite brands. When you use an offer, you'll earn points. Redeem those points for cash back and other options in the app.

## More ways to pay your way

### PayPal Rewards

### Add Cards and Banks

### PayPal Debit Card

### PayPal Credit Card

## 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%252Fways-to-pay_cta&pp_ref_id=3cea9bfb-06f7-43c0-92a6-560dec206fc9&utm_campaign=&utm_medium=web&utm_source=%2Fdigital-wallet%2Fways-to-pay&cust=&redirect=true)

[Get the App](https://paypal.com/mobile-app/dashboard?source=%252Fdigital-wallet%252Fways-to-pay_cta&pp_ref_id=3cea9bfb-06f7-43c0-92a6-560dec206fc9&utm_campaign=&utm_medium=web&utm_source=%2Fdigital-wallet%2Fways-to-pay&cust=&redirect=true)

## PayPal Cashback Mastercard

### PayPal Cashback Mastercard®

Delivers 3% cash back on PayPal purchases. And 1.5% back on everything else. No annual fee or limits on cash back. And no impact to your credit score if you’re declined.

[Learn About the Credit Card](https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard)

## PayPal Debit Card

### PayPal Debit Card

The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“The Bancorp”) pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.

PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See [PayPal Balance Terms and Conditions](https://www.paypal.com/us/legalhub/pp-balance-tnc#holding).

## PayPal Credit Card

### PayPal Credit Card

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. 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 Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: [Find more disclosures](https://www.paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure) related to Pay in 4.

## PayPal Purchase Protection

PayPal Purchase Protection is available on eligible transactions. [Terms and limitations apply](https://www.paypal.com/us/legalhub/buyer-protection).

## All screen images are for illustrative purposes only.

## Disclaimer

### 1

5% cash back earned on up to $1000 of selected category spend per month. Cash back awarded as points that can be redeemed for cash or other options. [Terms apply](https://www.paypal.com/us/campaign/ppdc-debit-5per-cashback-category-tnc).

### 2

The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“The Bancorp”) pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.

PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See [PayPal Balance Terms and Conditions](https://www.paypal.com/us/legalhub/pp-balance-tnc#holding).

### 3

Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See [Rewards Program Terms](https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm) for details and eligibility criteria.

### 4

See [Terms and Rates for New Accounts](https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm).

### 5

Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. An approved PayPal Cashback Mastercard application will result in a hard credit inquiry, which may impact your credit score.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned 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

Points can be redeemed for cash and other options. [Rewards terms apply](https://www.paypal.com/us/legalhub/pp-rewards-program-tnc). See offers for details and exclusions.

### 7

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. 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 Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: [Find more disclosures](https://www.paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure) related to Pay in 4.

### 8

PayPal Purchase Protection is available on eligible transactions. [Terms and limitations apply](https://www.paypal.com/us/legalhub/buyer-protection).

All screen images are for illustrative purposes only.