Does PayPal accept American Express?

You can use American Express cards — but watch out for fees.

PayPal accepts a few different payment methods, including debit cards, credit cards, your PayPal balance and linking your bank account directly to your PayPal account.

You can use credit cards from all major providers including Visa, Mastercard and American Express, but you may pay a fee depending on the type of transaction you’re doing.

Our pick for an Amex card to use with PayPal

SimplyCash™ Card from American Express

SimplyCash™ Card from American Express

19.99 % p.a.

Purchase interest rate

SimplyCash™ Card from American Express

Apply today and earn up to 2.5% or $150 cashback .

  • Purchase interest rate: 19.99%
  • Cash advance rate: 22.99%
  • Annual fee: $0
  • Credit rating: Good, Excellent
  • Minimum age: Age of majority in province/territory of residence
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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 Purchase Interest Rate Cash Advance Rate Annual Fee
Earn up to 5% or $300 cashback in your first six months.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
N/A
N/A
$499
Receive access to Air Canada priority check-in and over 700 lounges in airports around the world.
Earn up to 2,500 points when you spend $500 within each billing period. Up to 30,000 bonus points in your first year.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$120
Earn up to 5 points for every dollar you spend at eligible restaurants, cafés, bars and food delivery.
Earn up to 2.5% or $150 cashback in your first 3 months.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 150 AIR MILES Reward Miles when you spend $1,000 within the first three months of membership.
19.99%
22.99%
$0
Earn one mile for every $15 you spend at official sponsors and one mile for every $20 you spend anywhere else.
Receive 50,000 bonus Membership Rewards points when you spend $3,000 within the first three months of membership.
N/A
N/A
$699
Get up to $200 bonus travel credit every year.
Receive 2,000 bonus AIR MILES Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 2,000 bonus AIR MILES Reward miles when you spend $5,000 within the first three months of membership.
N/A
N/A
$180
Earn 1 mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Receive 2,400 Air Miles Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 25,000 bonus Membership Rewards points when you spend $1,500 within the first three months of membership.
N/A
N/A
$150
Earn 2 points for every dollar you spend on eligible travel and purchases and 1 point for every dollar you spend elsewhere.
Receive 40,000 points when you spend $5,000 within first three months of membership.
N/A
N/A
$499
Earn 1.25 points for dollar you spend with no limit to the number of points you can accumulate.
Receive 500 AIR MILES Reward Miles when you spend $500 within your first three months of membership.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 60,000 bonus Marriott Bonvoy points when you charge $1,500 in the first 3 months (valid for new cardmembers only).
19.99%
22.99%
$120
Receive 5 Marriott Bonvoy points per dollar spent on eligible purchases at participating Marriott Bonvoy properties/stores, plus 2 points per dollar spent on other card purchases.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Receive 60,000 Marriott Bonvoy points when you charge $1,500 in the first 3 months.
19.99%
22.99%
$150
Receive 5 Marriott Bonvoy points per dollar spent on eligible purchases at participating Marriott Bonvoy properties/stores, plus 3 points for every dollar spent on eligible gas, dining and travel.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.
Offers 30,000 bonus points when you spend $5,000 within the first three months of membership.
N/A
N/A
$250
Earn one point for every dollar spent and one additional point for every dollar spent at three eligible merchants of your choosing.
Receive 10,000 bonus Blue Sky Points when you spend $500 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1.25 points for every dollar you spend and no annual fee.

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Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers a 0.99% introductory interest rate on balance transfers for the first 6 months upon card membership. Ends 30 June 2019.
12.99%
12.99%
$29
Save on interest by consolidating your higher-rate balances and enjoy a low 12.99% purchase interest rate.
Offers a 3.99% introductory interest rate on balance transfers for the first 6 months when your new credit card account is opened by June 30, 2019.
16.99%
16.99%
$0
Enjoy a low interest rate and no annual fee.
Receive 30,000 bonus Scotia Rewards points when you spend your first $1,000 in everyday eligible purchases in the first 3 months of membership (offer ends June 30, 2019).
19.99%
22.99%
$139
Earn 2x Scotia Rewards points per $1 spent on eligible grocery stores, dining, entertainment and daily transit purchases. Plus, an extra 10,000 points when you spend a min. of $40,000 annually on your card.
Receive 2,500 bonus SCENE points when you spend your first $500 in eligible purchases in the first 3 months of membership (valid for new accounts opened by June 30, 2019).
19.99%
22.99%
$0
Earn 1 SCENE point per $1 spent on all purchases, plus 5 SCENE points for every $1 spent at Cineplex Entertainment theatres or cineplex.com.
Receive 10% cash back on the first $2,000 in eligible purchases within the first three months of card membership (account must be opened by June 30, 2019).

19.99%
22.99%
$0 annual fee for the first year ($99 thereafter)
Earn 4% cash back on gas & groceries, 2% cash back on drug stores and recurring bills and 1% cash back on all other spend.
No available introductory offer.
17.99%
N/A
$12.95
Take advantage of a low annual fee, with guaranteed approval and no credit check.
No available introductory offer.
17.99%
17.99%
$0
Enjoy up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
Enjoy a waived annual fee for the first year of membership. Valid for new accounts opened by June 30, 2019.
19.99%
22.99%
$0 annual fee for the first year ($79 thereafter)
Enjoy up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently.
Offers a 7.99% introductory interest rate on all spend for the first 6 months when your new credit card account is opened by June 30, 2019.
19.99%
22.99%
$0
Receive 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments. Plus, 0.5% cashback on all other eligible purchases.
Receive 5,000 bonus Scotia Rewards points when you make your first eligible purchase within 2 months of membership (account must opened by June 30, 2019).
19.99%
22.99%
$110
Earn 5% cash back on travel purchases via Scotia Rewards Flexible Point Redemption, plus 1 Scotia Rewards point on daily eligible purchases.
Enjoy a 2.99% introductory interest rate on balance transfers for the first 6 months when your new credit card account is opened by June 30, 2019.
19.99%
22.99%
$39
2% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Enjoy a 7.99% introductory interest rate on all spend for the first six months when your new credit card account is opened by June 30, 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments. Plus, 0.5% cashback on all other eligible purchases.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.

Compare up to 4 providers

Should I use my Amex credit card for PayPal?

Though Amex credit cards are valid for PayPal transactions, watch out for fees. If you’re buying a product or service in Canada through PayPal with your Amex credit card, you won’t pay any fee. Here are the fees you might incur:

  • You’ll pay a fee if the goods or services you’re paying for are located outside of Canada.
  • You’ll pay a fee when you send money to friends or family within Canada or overseas.
  • You’ll pay a fee if you receive payment for goods or services.
LocationPrice
In Canada2.9% + $0.30
To the USA3.7% + $0.30
Outside of Canada & USA3.9% + fixed fee depending on currency

Will my PayPal transaction trigger a cash advance?

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

Sending money to family and friends and paying for general goods or services should not trigger a cash advance transaction. If you’re worried about cash advance fees or APRs, contact your credit card provider.

What you need to know about cash advance interest rates

Top American Express credit cards for PayPal

With an American Express card, you’re unlikely to earn significant accelerated rewards through PayPal spending. Still, a few cards can help you earn decent cash back or travel rewards.

When comparing which Amex cards work well with PayPal, we looked at a few factors, including cash back or rewards value per dollar spent, annual fees, signup bonuses and APRs. The Amex cards below offered the most overall value for purchases made through PayPal compared to other Amex cards.

Our pick for highest cash back: SimplyCash™ Preferred Card from American Express

With this card, you’ll get 2% cash back on every eligible purchase and 5% cash back in your first 6 months as a cardholder. This card has an annual fee of $99.

  • Welcome rate. Get 5% cash back on all eligible purchases within the first 6 months as a cardholder.
  • Cash back on all purchases. Get 2% cash back on all eligible purchases once the welcome rate ends.
  • Earn unlimited cash back. There is no limit to the amount of cash back you can earn.

Our pick for no annual fee: SimplyCash™ Card from American Express

With this card, you’ll earn 1.25% cash back on all eligible purchases and 2.5% cash back in your first 3 months as a cardholder. This card has no annual fee.

  • Welcome rate. Get 2.5% cash back on all eligible purchases within the first 3 months as a cardholder (up to a value of $150 in cash back).
  • Cash back on all purchases. Get 1.25% cash back on all eligible purchases once the welcome rate ends.
  • No annual fee. There is no annual fee for this Amex credit card.

Our pick for earning points: Marriott Bonvoy™ American Express® Card

Marriott Bonvoy™ American Express® Card

Apply now
With this card, you’ll earn 5 points for every $1 spent at Marriott Bonvoy properties and 2 points for every $1 spent on all other purchases. This card has an annual fee of $120.

  • Welcome rate. Earn a welcome bonus of 60,000 points when you spend $1,500 on your card within the first 3 months.
  • Points on all purchases. Get 5 points for every $1 spent at Marriott Bonvoy properties and 2 points for every $1 spent on all other purchases.
  • Annual free night. Get a free night each year after your card anniversary.

Payment options for PayPal

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

Bottom line

You can use your American Express credit cards with PayPal, as well as Visa and Mastercard branded credit and debit cards. Consider only using your credit cards on PayPal when paying for products or services, to avoid paying a transaction fee.

If you’re selling goods or services or sending money, you’ll pay a transaction fee of at least 2.9% + $0.30 cents, however the cost will rise if you’re selling or sending money outside of Canada. In addition, watch out for potential cash advance fees and interest rates when using your credit card. Flat rate cash back cards are typically great choices for PayPal transactions and you can often find these types of cards with no annual fees.

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