PayPal Credit Card Alternatives

PayPal eased our lives a lot offering us simple ways to send money without sharing financial information. Today lots of people have PayPal accounts. And those who have an active PayPal account can apply for a PayPal credit card or a PayPal prepaid card.

PayPal cards are MasterCard branded credit cards and come with MasterCard Platinum benefits. You can use PayPal debit card in stores or online – everywhere MasterCard is accepted.

BEST for EXCELLENT CREDIT
Barclaycard CashForward™ World Mastercard®
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Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening

Earn unlimited 1.5% cash rewards on every purchase

Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption

 
Consumer Rating: 5 / 5
BEST for FAIR CREDIT
Capital One® Platinum Credit Card
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Pay no annual fee

Get access to a higher credit line after making your first 5 monthly payments on time

Fraud coverage if your card is lost or stolen

 
Consumer Rating: 5 / 5

Best Credit Card Alternatives to PayPal Cards

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How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Credit History
APR %
Annual Fee
Application Processing Fee
Apply
Capital One® VentureOne® Rewards Credit Card
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Excellent, Good 12.74% - 22.74% (Variable) $0 See terms
Consumer Rating: 5 / 5
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
Fingerhut Credit Account
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Bad 25.15% $0 See Terms
Consumer Rating: 4 / 5
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
Capital One® QuicksilverOne® Cash Rewards Credit Card
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Average, Fair, Limited 24.99% (Variable) $39 See terms
Consumer Rating: 5 / 5
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
Surge Mastercard®
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Fair/Bad See Terms* See Terms* N/A
Consumer Rating: 4 / 5
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
Horizon Gold Credit Card
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Bad 0.00% See Terms See Terms
Consumer Rating: 4 / 5
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
Barclaycard Arrival Plus™ World Elite MasterCard®
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Excellent 16.74%, 20.74% or 23.74% Variable $89 - waived first year See terms
Consumer Rating: 5 / 5
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
Credit One Bank® Platinum Visa® for Building Credit
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Fair 15.90% - 24.40% Variable $0 - $99 See terms
Consumer Rating: 5 / 5
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Milestone® MasterCard® with Free Choice of Card Image
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Fair / Good 23.9% $35 - $99* See Terms
Consumer Rating: 4 / 5
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

PayPal credit card alternatives for PayPal account holders

Are you a PayPal account holder? If yes, then you may want to apply for a PayPal credit card. PayPal offers the PayPal Extras MasterCard® credit card to the PayPal members.

PayPal Extras MasterCard gives access to exclusive offers and additional reward points on all eBay and PayPal purchases. Plus you can shop with this card everywhere MasterCard is accepted and use MasterCard benefits.

Those who can't get a PayPal credit card may apply for the PayPal Prepaid MasterCard®. This card is also available to PayPal members only.

The card allows you to earn cash back rewards on special offers from specific merchants. PayPal prepaid card is a reloadable debit card with optional savings account. The savings account is offered through the Bancorp Bank.

Link your PayPal prepaid card to your PayPal account to get full access to the available features. iPhone and Android users can download the PayPal Prepaid mobile app to manage prepaid account from the smartphone. You can check the card balance or review the recent transactions on the go.

Related FAQs More FAQs >>

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The Emporium credit card is a store credit account that can only be used at Emporium.com. The card is not affiliated with Visa or Mastercard, so you won't be able to use it anywhere outside the ...

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The Emporium credit card is a store credit account that does not charge interest. You will not be charged interest. You will pay recurring scheduled payments. These payments will be deducted from ...

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