Yes, you can use a Premier account to do what you have in mind. Note, Premier accounts will display your email address on the PayPal Checkout Screens and your personal name in the notification emails. If that's OK with you then you're good to go. If not, you need to upgrade to a Business Account. Business Accounts allow you to display a company or group name or a logo graphic.
Regardless of which account you use, to offer the credit card option or pay as guest the following applies:
Go to your Account Profile.
Select: My Selling Tools
Under: Selling Online
Locate: Website Preferences
Click on: Update
Locate: PayPal Account Optional
Click: On
Click: Save
When the "account optional" feature is turned on, customers don't need a
PayPal account. They use an alternate checkout and have the option to sign up
for a PayPal account afterward. Customers with PayPal accounts still log in to
their PayPal accounts to check out.
This feature is available for Buy Now buttons, Donations, shopping carts and invoices.
Please note that if both the "auto return" and "account optional" features
are turned on, customers who don't log in to PayPal can choose to go back to
your website after checkout, but are not returned automatically.
Suggest doing your homework by checking out the following guides as they will answer many of your questions:
Merchant Setup and Administration Guide
https://www.x.com/developers/paypal/documentation-tools/admin/setup-acccount
PayPal Payments Standard Integration Guide:
https://www.x.com/developers/paypal/documentation-tools/paypal-payments-standard/integration-guide/w...
