Paypal credit credit karma

Make the most of PayPal Credit

Whether you’re using the 0% offer or instalment offers, PayPal Credit is the perfect way to spread the cost of your online shopping.

A 0% interest offer you can use again and again.

Don't forget that every time you make a purchase of £150 or more with PayPal Credit, you’ll automatically get 0% interest for 4 months on that purchase.* It's a great offer you can enjoy again and again at thousands of online stores where PayPal is accepted.

A reminder of how our 0% offer works.

Spend £150 or more in one go with PayPal Credit.

Then automatically get 0% interest for 4 months on that purchase.*

Even better, you can use this offer again and again on every purchase over £150.

17.9% APR (variable)

17.9% p.a. (variable)

Assumed Credit limit

This example above illustrates the typical cost of using PayPal Credit as a standard funding method. If you take advantage of our offers and promotions, including our 0% for 4 months offer, the interest rate that applies will be lower in many circumstances.

Instalment offers to help you spread the cost for longer.

You can also choose to spread the cost for longer using instalment offers with PayPal Credit. This finance option is available at selected online stores and enables you to spread the cost over 6 to 24 months at promotional interest rates lower than PayPal Credit’s standard rate of interest. Below are just some of the merchants offering instalments with PayPal Credit.

Manage your account wherever you are.

It's easy to access and manage your PayPal Credit account from anywhere – on your desktop, tablet, or mobile. Simply log in to your PayPal account detail to make a payment, view your balance, track your transactions and check your statements. You can also view your PayPal Credit account with our new PayPal app.

Whenever you use PayPal you pay quickly and more securely. All you need is an email address and password or mobile number and PIN. No need to re-enter your card and delivery details every time you check out.

Continue to shop with peace of mind. We don’t share your sensitive financial details with sellers. And PayPal Buyer Protection covers your eligible purchases if they don’t show up or match their description.

Q1.How do I make a payment?

You can also make a payment by calling PayPal Customer Service on 0800 368 7155. Through customer services, we can accept payment via any debit card, even those not linked to your PayPal account.

Q2.How long does it take for payments to reflect on my account?

PayPal Cashback Mastercard® vs. PayPal Extras MasterCard®: Simple cash back beats complicated rewards

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We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

With two PayPal credit cards now available, frequent PayPal users may be wondering which one to go for: the PayPal Cashback Mastercard® or the PayPal Extras MasterCard®?

If you have a PayPal account and are a regular user, the PayPal Cashback Mastercard® is our pick, with both better rewards and an easier way to redeem them. Here’s what you should know.

At a glance: PayPal Cashback Mastercard® vs. PayPal Extras MasterCard®

The winner: Why we prefer the PayPal Cashback Mastercard®

The PayPal Cashback Mastercard® is an easy card to use and understand:

  • Earn 2 percent cash back on all purchases.
  • When you want to redeem your cash back, you can have it transferred straight into your PayPal account, with no minimum redemption threshold (this means you don’t have to earn a certain number of points before you can start redeeming your rewards).
  • No foreign transaction fees

All told, the PayPal Cashback Mastercard® makes for a refreshingly simple cash back card with a good rewards rate for regular PayPal users.

In contrast, the PayPal Extras MasterCard® offers a variable rewards rate by category. You can earn:

  • 3 points for every dollar spent at gas stations and restaurants
  • 2 points for every dollar spent at PayPal and eBay®
  • 1 point for every dollar spent on all other purchases

However, these points are much more complicated to redeem. Awards must be redeemed through PayPal’s online portal, and there are a number of restrictions. For example, hotel and air travel rewards must be requested at least 21 days in advance of travel.

You’ll also have to reach these minimum thresholds to earn different types of rewards with the PayPal Extras MasterCard®:

  • 2,200 points for gift cards
  • 3,000 points for merchandise from housewares to sports equipment
  • 6,000 points for $50 cash back, credited into your PayPal balance
  • 15,000 points for travel vouchers or airfare, hotels or car rental

Comparing cash back rewards with each card

The PayPal Cashback Mastercard® rewards rate is simple: It earns you 2 cents back into your PayPal account for every dollar spent.

The value of points from the PayPal Extras MasterCard® are trickier to calculate as they can be redeemed for gift cards, merchandise and vouchers as well as cash, and redemption values may vary for each.

When redeeming points from the PayPal Extras MasterCard® for cash, 6,000 points are worth $50 in cash credited to your PayPal account. This means that each point is worth 0.83 cents — or less than a cent each — when they’re redeemed for PayPal cash.

If you compare the two cards based on their PayPal cash back earning potential, the PayPal Cashback Mastercard® comes out on top in most scenarios:

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Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

0 People Helped

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

Please enter a response

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.

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Does PayPal Credit cooperate with the site Credit Karma? In other words, does it give clients the option to link their PP Credit accounts? I think my credit score may be inaccurate because PP Credit does not seem to be giving this site or the main three credit bureaus my credit history. Please advise.



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