Paypal · Visa · Personal
Paypal Debit
A no-annual-fee card earning cash back: 5× on Monthly Categories, 1.5× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 5×Monthly Categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Earning structure
3 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Monthly Categories Cap $1,000 / 1 moNotes5% cash back (awarded as points) on up to $1,000 of spending per month in a chosen category (up to $50 cash equivalent per month). Categories include fuel, groceries, apparel, restaurants, and other temporary or seasonal categories, selected monthly via the PayPal app. Activation is required each month. | 5× | $5.00 | |
| Paypal | 3× | $3.00 | |
| All Other | 1.5× | $1.50 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa
- Bank
- Paypal
- Point system
- Cash back
- Foreign transaction fee
- Yes
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules1
- PayPal Account
Requires a PayPal Balance account. You must be a U.S. resident with a confirmed physical street address (not a P.O. box). Approval is based on PayPal account status and identity verification, not credit history. If your application is denied, you can reapply after 30 days. PayPal no longer reissues inactive debit cards. If your card is inactive, lost, stolen, or damaged, you must reapply for a new card. Replacement cards for active accounts are sent automatically for expiring cards (approximately 30 days before expiration) or upon request for lost/damaged cards. The card is only available to U.S. residents. Only one PayPal Debit Mastercard can be linked to a single PayPal Balance account.
Alternatives
Head to head with similar cards
 Paypal Debit |  Bank of America Customized Cash Rewards |  Langley FCU Signature Cash Back |  Bilt Obsidian | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $95+$95 |
| Signup bonus | None | $200 | None | $200 |
| Top rate | 5×Monthly Categories | 3×Monthly Categories | 5×Monthly Categories | 3×Monthly Categories |
| Travel value * | –Cash back | –Preferred Rewards | –Cash back | 1.92¢Bilt Points |
| Why it’s here | This card | Also no annual fee | Also no annual fee | An annual fee within $100, with transferable points |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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