PayPal Cash Card
The PayPal Cash Card is a debit card that allows you to make payments that draw from your PayPal balance. With this card, you can shop online and in stores, as long as the merchant accepts Mastercard payments. (When you apply for the PayPal Cash Card, your regular PayPal account becomes a Cash Plus account, which offers a few additional features.)
PayPal Key
Getting PayPal Key is even easier than requesting a PayPal Cash Card in that you don’t have to wait for a plastic card to arrive in the mail. You’ll get a virtual card number that can be used online (again, as long as the merchant accepts Mastercard). The downside is that PayPal Key is not yet available to all PayPal account holders.
PayPal Credit Cards
PayPal offers two co-branded credit cards: the PayPal Cashback Mastercard and the PayPal Extras Mastercard. These are exclusive offers to PayPal account holders and work like any other credit card: You can use them for purchases online or in a store. However, you aren’t actually using your PayPal balance to fund your purchases.
Venmo
Which Option Is Best?
PayPal Key
This may be the most convenient workaround option because it only requires a couple of clicks, and you can shop just about anywhere and pay with your PayPal balance.
Getting a PayPal Credit Card
You’re not paying with your PayPal balance—you’re really just opening up a new credit card.
