Offer value details
PayPal lists a Business Debit Mastercard with access to available PayPal funds and unlimited 1% cash back on eligible credit transactions. The card is not a credit card or bank account.
Qualification requirements
PayPal says customers must have a PayPal Business or PayPal Balance account to be considered for the PayPal Business Debit Mastercard.
Fees and costs
PayPal's cardholder agreement lists a $2.50 domestic or international ATM withdrawal fee, a 2.5% international-transaction fee, and a $3.74-$3.95 participating-store balance-load fee. Other account or network costs can still apply.
Availability
Eligible U.S. PayPal Business or PayPal Balance account holders can be considered, subject to identity, physical-address, account-standing, and approval requirements. PayPal says approved users can receive a digital card in minutes.
What to verify
- The card spends available PayPal funds and is not a credit card.
- The card accesses available PayPal funds and is not a bank account.
- PayPal says ordinary business-account balances are unsecured claims against PayPal and are not FDIC-insured. A qualifying personal PayPal Balance account may have separate pass-through coverage conditions.
- Cash back applies only to eligible purchases.
- Bonus rebates through Mastercard Easy Savings depend on participating businesses and program terms.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.