THE CARDTUNED DATABASE
PayPal Credit
Issuer: Synchrony · Network: Varies
No interest if paid in full within 6 months on eligible purchases of $149+; approved applicants receive either a PayPal Credit Mastercard or a PayPal Credit digital line
- Annual fee
- $0
- Foreign transaction fee
- Varies by card version; see live application terms
- Intro APR
- No interest if paid in full within 6 months on eligible purchases of $149+; deferred interest applies if not paid in full
- Regular APR
- 29.64% variable purchase APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Additional benefits
• No interest if paid in full within 6 months on eligible purchases of $149+
• PayPal Credit Mastercard may be used anywhere Mastercard is accepted
• Digital-line version may be used for eligible PayPal checkout purchases
• PayPal Purchase Protection on eligible transactions
• Mastercard benefits for approved physical-card accounts
Restrictions to know
Applicants cannot choose the version: approval may result in a PayPal Credit Mastercard or a digital line based on credit history. The six-month $149+ offer is deferred interest; interest is charged from the purchase date if the balance is not paid in full by the deadline, and minimum payments are required. A $1.99 monthly paper-statement fee may apply; a PayPal account in good standing is required.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff