Bank
PayPal Credit Card Rates
PayPal credit card rates start at 29.64% APR. Rates checked October 26, 2026.
How PayPal’s credit card rates compare
Compared with banks and credit unions nationwide. Ongoing purchase APR, lowest first.
This bank’s lowest
PayPal
29.89%APR
- Up to
- —
PayPal Credit Card
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Up to
- —
2nd-lowest rate
Rio Grande Valley Credit Union
5.90%APR
- Up to
- 18.00% APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
PayPal Credit Card
Subject to credit approval. Available to US customers of legal age in their state of residence. One application gives either the PayPal Credit Card or a PayPal Credit digital line based on credit history. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Special financing: No Interest if paid in full in 6 months on all purchases of $149+ everywhere Mastercard is accepted. Minimum monthly payments required. Interest will be charged from the purchase date if the balance is not paid in full within 6 months. Single item or multiple items in a single purchase totaling $149+. |
| Ongoing | 29.64% | None | Variable Purchase APR. APRs will vary with the market based on the Prime Rate. Minimum interest charge $2. |
Sources (2)
- paypal.com/us/digital-wallet/w…t-services/paypal-credit
- paypal.com/us/campaign/terms/paypal-credit-dual
All captured Oct 26, 2026
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