PayPal Credit

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

29.2%

APR From
Basic Information
PENDING

Program ID: paypal-credit

Issuer: Synchrony

Card Name: PayPal Credit

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:19

Last Scraped: Feb 17, 2026 07:21

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 2 Total
PENDING
Cost Savings 1
No Annual Fee
No annual fee

There is no annual fee associated with the PayPal Credit account.

Financing 1
No Interest Special Financing
No interest for 6 months on purchases $99+

Enjoy no interest if the purchase is paid in full in 6 months on purchases of $99 or more. If the balance is not paid in full, interest will be charged from the purchase date.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.24% - 29.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ If you do not pay the balance in full by the end of the promotional period, interest will be charged from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 740
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: PayPal Credit, issued by Synchrony Bank, is a revolving line of credit primarily offering promotional financing. For 2026, eligibility is expected to remain consistent: applicants must be at least 18 years old, a U.S. resident, possess a valid PayPal account in good standing, and meet Synchrony's credit underwriting standards. While there isn't a traditional sign-up bonus, the primary 'bonus rule' is promotional financing, typically 0% APR for 6 months on purchases of $99 or more. Application is usually instant, either during PayPal checkout or directly through the PayPal website/app. Approval is contingent on credit history and Synchrony's internal risk assessment.

Max Cards Per Issuer: 7

Min Spend Interval: N/A (for traditional sign-up bonus). Promotional financing offers typically require a minimum purchase amount (e.g., $99) to qualify for a specific APR period (e.g., 6 months).

Shutdown Risk Triggers: Common triggers for Synchrony accounts include: excessive credit seeking (numerous recent applications), high cumulative credit exposure across multiple Synchrony accounts, missed or late payments on any Synchrony or other credit accounts, suspected manufactured spending (less common for PayPal Credit directly but a general Synchrony concern), abuse of promotional financing terms, or suspicious activity detected on the associated PayPal account.

Cliff Effect Rules: Synchrony does not typically have 'cliff effect' rules in the same vein as some major issuers (e.g., Chase 5/24). However, having a high number of existing Synchrony accounts or a substantial cumulative credit limit with Synchrony can negatively impact approval odds for new Synchrony products, as the issuer manages overall credit exposure per customer. While one Synchrony card doesn't directly preclude another, a large portfolio can lead to denials or lower credit limits on new applications.

Special Events: PayPal Credit's 'special events' are primarily tied to promotional financing offers. These often include extended 0% APR periods (e.g., 12, 18, or 24 months) for specific merchants, product categories, or during major shopping seasons. These promotions are typically advertised directly by PayPal or participating retailers.

Holiday Promos: Expect enhanced promotional financing offers during major U.S. shopping holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Valentine's Day, Mother's Day, Father's Day, and back-to-school periods. These promotions often feature longer 0% APR terms or lower minimum purchase requirements for promotional financing.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Convenient financing for online purchases, especially for larger items. No interest promotions are very useful if paid on time. Easy to use with existing PayPal account.

Top Negative:
High interest rates if promotional period is missed. Customer service can be difficult to reach or resolve issues. Can be confusing to manage if not careful with payment dates.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Affirm
  • Klarna
  • Amazon Store Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 26, 2023

⚠️ Change Alert: Terms and Conditions have been updated. Please review carefully.

Summary of Changes:

The PayPal Credit Terms and Conditions have been updated and will be effective on October 26, 2023.