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What credit cards does PayPal accept?

Find out which credit cards you can use with PayPal and how you can continue to earn rewards for purchases.

PayPal lets you link all major credit cards in Canada to your PayPal account. This includes Visa, Mastercard and American Express cards. You’ll still earn rewards when you make purchases with your card through your PayPal account – just be prepared to pay an additional fee on your PayPal credit card for making certain types of transactions.

Major credit cards issuers accepted at PayPal

Credit card typeAccepted at PayPal
American Express
Visa
Mastercard

Compare credit cards for PayPal

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
30,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 30,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points).
American Express Green Card
10,000 points
1 point per $1 spent
20.99%
$0
Min. recommended credit score: 700
Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember.
SimplyCash Card from American Express
4% cash back
Up to 1.25% cash back
19.99%
$0
Min. recommended credit score: 700
Earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership.
American Express Aeroplan Reserve Card
85,000 points
Up to 3x points
19.99%
$599
Min. recommended credit score: 700
Earn up to 85,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $2,700 in value within the first year.
American Express Aeroplan Card
50,000 points
Up to 2x points
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to 50,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $1,100 in value within the first year.
SimplyCash Preferred Card from American Express
10% cash back
2% cash back
19.99%
$99
Min. recommended credit score: 700
Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
American Express Aeroplan Business Reserve Card
85,000 points
Up to 3x points
16.99%
$599
Min. recommended credit score: 700
Earn up to 85,000 welcome bonus Aeroplan points. New cardholders can earn up to $2,700 or more in value within the first year.
American Express Business Edge Card
57,000 points
Up to 3 points per $1 spent
19.99%
$99
Min. recommended credit score: 700
Earn up to 57,000 Membership Rewards points in your first year. That’s $570 in statement credits you can reinvest into your business.
Marriott Bonvoy American Express Card
50,000 points
Up to 5x points per $1 spent
19.99%
$120
Min. recommended credit score: 700
Earn 50,000 Welcome Bonus points after you charge $1,500 to your card in the first 3 months.
American Express AIR MILES Platinum Credit Card
2,000 Miles
Up to 1 Air Mile per $5 - $10 spent
20.99%
$120
Min. recommended credit score: 700
Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
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Compare up to 4 providers

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Avion Visa Infinite
55,000 points
Up to 1 point per $1 spent
19.99%
$120
Min. recommended credit score: 650
Get up to 55,000 Welcome Points. Get 35,000 points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by September 16, 2022.
RBC Rewards+ Visa
3,500
Up to 2 points per $1 spent
19.99%
$0
Min. recommended credit score: 650
Earn up to 3,500 RBC Rewards points by going digital in the first 60 days.
Refresh Financial Secured Card
N/A
N/A
17.99%
$12.95
Min. recommended credit score: Any score
The Refresh Secured Card has no credit check, a low annual fee and guaranteed approval once you secure your card with anywhere from $200 - $10,000.
Home Trust Secured Visa (No Annual Fee)
N/A
N/A
19.99%
$0
Min. recommended credit score: Any score
The no annual fee Home Trust Secured card comes with a standard 19.99% purchase and cash advance rate. Apply with any credit score and start rebuilding your credit.
BMO eclipse Visa Infinite Privilege
90,000 points
5 points per $1 spent
20.99%
$499
Min. recommended credit score: 760
Get up to 90,000 welcome points in your first year.
Scotiabank Passport Visa Infinite Card
35,000 points
Up to 2 points per $1 spent
19.99%
$139
Min. recommended credit score: 750
Earn up to 35,000 bonus Scene+ points in your first year (that’s up to $350 towards travel). Apply by July 4, 2022.
Scotiabank SCENE Visa Card
5,000 points
Up to 5 points per $1 spent
19.99%
$0
Min. recommended credit score: 660
Earn 5,000 bonus Scene+ points when you spend a minimum of $750 on eligible purchases in the first three months as a new SCENE Visa cardholder. Apply by August 31, 2022.
Scotiabank Value Visa Card
0% rate on Cash Advances for 6 months
N/A
12.99%
$29
Min. recommended credit score: 660
Get a 0.00% introductory interest rate on Cash Advances for the first 6 months. Plus, pay no annual fee in the first year. Apply by August 31, 2022.
Scotia Momentum Visa Infinite Card
10% cash back
Up to 4% cash back
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 750
Earn 10% cash back on all purchases for the first 3 months. Plus, pay no annual fee in the first year. Apply by August 31, 2022.
Signature RBC Rewards Visa
N/A
1 point per $1 spent
19.99%
$39
Min. recommended credit score: 650
Earn 1 RBC Rewards point for every $1 you spend on qualifying purchases, plus earn bonus points through purchases at select retailers.
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Compare up to 4 providers

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Cash Back Mastercard
N/A
Up to 2% cash back
19.99%
$0
Min. recommended credit score: 650
Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) on up to $1,000 of purchases in the first 2 months Until July 31, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
OFFER
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) on up to $1,000 of purchases in the first 2 months Until July 31, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
EXCLUSIVE
Neo Financial Mastercard
Get $25.00
Average 5% cash back
19.99% - 24.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 1% cashback guaranteed.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
12.99%
$0 annual fee for the first year ($20 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $20 annual fee waived in the first year.
Walmart Rewards Mastercard
Up to $25 in Reward Dollars
Up to 1.25% cash back
19.89%
$0
Min. recommended credit score: 650
Get up to $25 in bonus Walmart Reward Dollars.
Neo Secured Card
15% cash back
5% cash back
19.99%
$0
Min. recommended credit score: 600
Earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 1% cashback guaranteed.
BMO Ascend World Elite Mastercard
60,000 points
Up to 5x points per $1 spent
20.99%
$0 annual fee for the first year ($150 thereafter)
Min. recommended credit score: 760
Get up to 60,000 points and get the $150 annual fee waived in the first year.
BMO Rewards Mastercard
10,000 points
Up to 1 points per $1 spent
19.99%
$0
Min. recommended credit score: 725
Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
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Compare up to 4 providers

Does PayPal accept credit cards?

PayPal accepts credit cards such as Visa, Mastercard and American Express. You can link these credit cards to your PayPal account, which allows PayPal to draw from your card to pay for authorized purchases. This option lets you earn PayPal credit card rewards as you make purchases. You won’t be able to top up your PayPal account balance with a credit or debit card.

What purchases can I make with my PayPal credit card?

You can only use the money from your PayPal credit card transactions to make micropayments – such as to send small amounts of money to a friend or to purchase goods and services at an online store. It’s not possible to use the funds to send a mass payment.

You also won’t be able to use your PayPal credit card to load funds into your account, transfer money to your bank account or withdraw money from an ATM or as a cash advance.

What PayPal credit card fees will I have to pay?

PayPal credit card fees

You won’t need to pay PayPal credit card fees for normal transactions with PayPal. There are only two instances when drawing from a PayPal credit card in Canada might cost you more:

  • If you send money overseas. You’ll pay PayPal credit card fees when you send a payment to someone in another country when you use your PayPal credit card to carry out the transaction.
  • When you send personal payments using your credit card. You won’t pay more for making purchases in store but you will pay PayPal credit card fees if you use your PayPal credit card to send money to family and friends in Canada.

Will my PayPal credit card transaction trigger a cash advance?

Typically PayPal payments for goods and services aren’t classified as cash advance transactions. However, your card provider may charge a fee if you use your PayPal credit card for transactions typically associated with cash advances — such as buying chips at an online casino or purchasing gift cards.

What you need to know about cash advance interest rates

Can I still earn credit card rewards when I use my PayPal credit card?

You can still earn credit card PayPal rewards when you link your credit card to PayPal. The only issue is that you may not get accelerated rewards for certain purchases. This is because your statement will usually list your transaction under PayPal instead of the actual company name.

For example, you could lose points on travel purchases or bill payments if they come listed under PayPal rewards rather than a travel agency or a subscription service.

What purchases will earn me points through PayPal?

With most PayPal rewards credit cards, you’ll earn points when you buy clothes, mobile devices, makeup, music or for any other retail purchases. You may not earn credit card PayPal rewards for purchases such as gambling transactions, foreign currency purchases, gift cards and any other transactions that may be processed as cash advances.

Is it safer to use PayPal or a credit card?

Here’s a summary of the pros and cons of using PayPal vs a credit card:

ProsCons
  • Secure transactions
  • Convenient payments
  • No need to input card details
  • Easy to link bank account or credit card
  • Not a payment option on some websites
  • More difficult to track purchases using your credit card statement
  • May cause you to lose out on rewards for accelerated categories of spending

You’ll need to link your credit card to PayPal if you want to use it to make purchases through PayPal. You won’t be able to load funds into your account or top up your account balance with a PayPal credit card.

Linking and confirming your PayPal credit card helps protect your account and increase security within the PayPal community. Confirming your PayPal credit card in Canada also makes it much harder for someone to carry out fraudulent transactions on your account.

You can link your credit card to your PayPal account by following the steps below:

  1. Log in to your PayPal account.
  2. Click on Wallet at the top of the page.
  3. Select “Link a card”.
  4. Fill in your card details and follow the prompts to confirm your account.

Confirming your PayPal credit card in Canada

Once you’ve linked your account, you may notice a charge of around $2 on your credit card. This is a temporary authorization that PayPal uses to make sure your card is valid. The charge appears on your card statement with a 4-digit code and the word PAYPAL.

Once you get this code, you need to click on your PayPal wallet. You then select the PayPal credit card that needs to be confirmed and enter the 4-digit code when prompted. Once your account is confirmed, the charge will be refunded to you.

How can I remove a credit card from PayPal?

It’s fairly easy to remove a credit card from PayPal if it’s expired or you’d like to move it over to a different PayPal account. All you have to do is open your PayPal wallet, select the card you want to remove and click “Remove card”.

Just be aware that you may not be able to remove a card if you have a pending transaction or a negative balance on your account.

Payment options for PayPal

  • PayPal balance
  • Bank account linked to your PayPal account
  • Credit card linked to your PayPal balance
  • Debit cards linked to your PayPal balance

Bottom line

PayPal accepts major credit cards such as Visa, Mastercard and American Express. You can link a credit card to your account to make payments directly, but you won’t be able to use your credit card to load funds into your PayPal account balance. Find out more about how you can link and confirm a PayPal credit card in Canada.

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