Business credit card

Unlimited cash back for your business.

The PayPal Business Cashback Mastercard® credit card gives your business buying power while earning unlimited 3% cash back on all PayPal purchases and 2% cash back on everything else.1

Apply Now
Review terms and conditions.
Offered in collaboration with Concerto Card Company and WebBank.
A PayPal Business account is required to apply. Sign up for free.

Turn business expenses into rewards

Unlimited cash back

Earn unlimited 3% cash back on PayPal purchases and 2% cash back on other purchases1 you and your employees make—no earning cap or expiration.

No annual fee

There’s no annual fee2 and no additional cost to add employee cards.3 And there’s no impact to your credit bureau score if you’re not approved.4

Fraud protection

$0 fraud liability protection for eligible transactions and monitoring to detect potential fraud.5 Limits apply.

Added benefits

2-year Extended Warranty on Purchases, Cell Phone Protection, Identity Theft ProtectionTM, and more from Mastercard.6

Supplies and shipping. Devices and software. Inventory. Utilities. Meals and travel. Marketing. Get rewarded for your everyday business purchases.

A credit card designed for your business

The PayPal business credit card helps to build your business credit while giving your business financial flexibility and spending power.

Start spending today

In most cases, get immediate access upon approval to your full credit line through your PayPal Business account with a virtual account number.

Set up free employee cards

Customizable spending limits and convenient account access help you keep tabs on activity, streamline expenses, and have peace of mind.³

Build business buying power

Make the purchases you need to run your business with the flexibility to pay in full or over time.

Manage your account hassle-free

24/7 customer service, a consolidated statement, and convenient, online access let you track activity and manage your account when it works for you.

Is the PayPal business credit card right for you?

Minimum eligibility requirements:
  • A PayPal Business account
  • One year in business
  • Annual revenue of $5,000 or more

Plus there’s no impact to your credit bureau score if you’re not approved.⁴

Apply Now
Terms and conditions

Frequently asked questions

Credit or debit—why not both?

We also offer the PayPal Business Debit Mastercard that lets you spend the money in your PayPal account—in stores and online—and earn cash back rewards.7

Learn more and request the debit card  

Discover more financial services

Working Capital
 
Business Loan
 
Business Debit Card
 
Business Resource Center
 

We support businesses just like yours

Every business needs a reliable partner. From secure payment processing to helpful business insights, we’re here for you.

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1
Purchases and other transactions subject to credit approval. See the Business Cash Rewards Terms and Conditions for details. To earn Business Cash Rewards on eligible purchases, you must have an open Business account with PayPal to which your Business Card is linked. If your Business account with PayPal is closed for any reason, you will no longer be able to earn Business Cash Rewards and will forfeit any remaining Business Cash Rewards balance.
2
Terms and Conditions apply. You must have a PayPal Business account to apply for a PayPal Business Cashback Mastercard.
3
You are liable for all transactions made on your Business Card Account by any Authorized Users, including employee cards issued on the Business Card Account.
4
Subject to credit approval. An approved PayPal Business Cashback Mastercard application will result in a hard credit inquiry, which may impact your credit bureau score.
5
See Mastercard Guide to Benefits for terms and conditions.
6
Coverage for a stolen or damaged eligible cellular wireless telephone and 2-Year Extended Warranty are subject to the terms, conditions, exclusions, and limits of liability. The benefits and services as further described in the Mastercard Guide to Benefits are provided solely by Mastercard International Incorporated.
7
You'll receive unlimited 1% cash back on purchases when your PayPal Business Debit Mastercard purchase is completed as a credit transaction. Purchases eligible for cash back include transactions processed as credit by Mastercard. Purchases that are not eligible for the cash back include but are not limited to: transactions processed as cash withdrawals, cash advances, quasi-cash transactions or those using a PIN or that the merchant processes via debit network or PIN-less debit. Earned cash back will be added to your PayPal balance weekly.  See Cardholder Agreement  for complete details.
The PayPal Business Debit Mastercard is issued by The Bancorp Bank, N.A. pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. This is a debit card linked to your PayPal Balance account and is not a credit card. Card may be used everywhere Mastercard is accepted. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal.
The Contactless Indicator mark and Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC
The PayPal Business Cashback Mastercard is issued by WebBank pursuant to a license by Mastercard International and serviced by Concerto Card Company. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
The PayPal Business Cashback Mastercard credit card is not currently available to businesses located in North Dakota or South Dakota.