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Can you paypal with a credit card?

What you need to know about using your credit card with PayPal.
Yanpeng
Yanpeng Wang

June 12, 2020

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All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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Can you PayPal with a credit card?

Yes, you can use a credit card to make online payments with PayPal. All you need to do is link your card to your PayPal account on the PayPal app or the PayPal website. 

 

You can even earn rewards as you would with any other purchase. Several card issuers such as Chase, Citibank, and Discover offer bonus rewards promotion for using their cards with PayPal. Check with your card issuer to see if your specific card qualifies to receive PayPal rewards. 

 

What credit cards can I use with PayPal?

You can use most major credit cards such as Visa, Mastercard, Discover, and American Express cards to make payments with PayPal. As long as the credit cards have a registered billing address to make PayPal payments. 

 

An alternative: 

You also have the option of linking your debit cards with Visa or Mastercard logos to your PayPal account. By linking your debit card to your PayPal account, you are essentially drawing money from your bank account. This method allows you to add multiple cards to your account and choose the one you prefer when making a payment. 

 

How to add a credit card on PayPal via PayPal app

  1. Open up the PayPal app on your phone. 
  2. Tap the Settings icon in the upper right corner of the screen.
  3. Tap “Banks and Cards.”
  4. Tap the plus icon at the upper right corner of the screen. 
  5. Tap “Debit or credit card.”
  6. In the “Link a card manually” section, tap “Debit or Credit card” and follow the instructions to enter your credit card number. 

 

How to add a credit card on PayPal via the web browser 

  1. Head on to the PayPal website and log in 
  2. Click “Wallet” at the top of the screen
  3. Tap “Link a debit or credit card.”
  4. In the “Link a card manually” section, tap “Debit or Credit card” and follow the instructions to enter your credit card number

 

What do I need to watch out for when using PayPal with my credit card? 

PayPal does not charge a fee when you use your credit card for goods and services. However, it does charge a 2.9% fee plus $0.30 per transaction when you send money to friends or family members. Payments made through PayPal aren’t considered cash advances. Rather, they are treated like retail transactions. Therefore, you should not incur additional fees from your bank. 


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