Card usage question

[ncwop]

I am wondering if I can use the paypal card in the same capacity as a credit card? Also, if so, is the complete balance due at every month? Just want to make sure as I’ve never used it before and only recently got my new card.

[Oregon11]

@ncwop

There are several PayPal Mastercards. Which specific card do you have (it will say on the front)?

[ncwop]

Mine says business debit

[Oregon11 · Accepted solution]

@ncwop

The Business debit card doesn't offer any type of available credit, but, it does offer features that I don't think you can find with many other debit cards issued in the US.

PayPal's Business debit card for US accounts is really unique—it has the ability to pull funds from a linked checking account.

The card will use available funds in your PayPal account balance for transactions, and withdrawals from an atm. If you have a zero ($0.00) balance, and you've set your card backup funding source to a linked checking account (linked to your PayPal account), it will pull the funds from that checking account to fund purchases.

Another benefit this card offers is one percent cashback on signature/non debit purchases. These cashback benefits given to you by PayPal, are something that will add up over time.

Your cashback benefits need to be activated from the Manage my card tab in order to receive them. I'll link the address below. You can also find the backup funding source selector from there.

https://www.paypal.com/myaccount/debit-card/summary

https://www.paypal.com/myaccount/debit-card/summary#/select-card/