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PayPal Rewards Card

(no longer for sale)

The PayPal Rewards Card offers a range of benefits including PayPal Points earned on eligible purchases, no annual fee.


Updated 3 July 2025


Fact checked and verified. Updated 3 July 2025
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Expert Review

The PayPal Rewards Card is PayPal's low fee product. This is also the only credit card PayPal offers. Featuring a relatively high points earn rate which is uncapped, the card provides great value. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 25% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has no annual fee, including up to 55 interest free days. As a result, this card is one of only a limited number that offer an ongoing $0 Annual Fee.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include no additional cardholder fees.

This product is currently not available for sale.

Product Details
Rewards

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Earn PayPal Points

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1point per $1 spent

Fees
Account Fees

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$0 annual account fee

Transaction Fees

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3.50% international transaction fee

Other fees may apply.

Rates

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20.99% p.a. variable purchase rate

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21.74% p.a. variable cash advance rate

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Up to 55 interest free days on purchases

Offers
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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the PayPal website.

More information
^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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