How To Get A PayPal Credit Card For Business Expenses

You don’t have enough money to buy something online? Your problem stops here. The PayPal credit line offers one of the most secure and convenient means of buying goods or services to grow your business. Before you access this credit line, you first need a credit card. Keep reading if you want to find out how to get PayPal credit.


If you already have a PayPal account then you just need to visit the PayPal Extras MasterCard site and then provide your email address as well as the password you used to create your account.

Once you log in, the application will auto-fill the form using your account’s information. You also need to fill in the remaining details such as card design preference as well as income. Click “Agree and continue,” and you will be taken to the next section.

On the other hand, if you don’t have a PayPal account, then you first need to create one. Visit the same page and select ‘Create a PayPal Account’ and you will be directed to a page where you can fill in the required details.

Complete the application process and then click ‘Agree and Continue.” Once you have created an account, you will be immediately redirected to a site where you will apply for the credit card.

Ensure you provide consistent and accurate details during the application process. If PayPal notices fraudulent activities on your account, they may request you to send verification details. These can include proof of address or identity information.

If the information you send is not consistent with what is on the account, your PayPal MasterCard may be frozen.


If you are not eligible for the PayPal Extras MasterCard, then you should try applying for the PayPal Smart Connect Card. You can use the Smart Connect Card in all areas where PayPal is accepted as a mode of payment.

However, this card lacks some of the features and benefits offered by the Extras MasterCard. This includes roadside assistance and extended warranty. You should also note that you can only switch from the Smart Connect Card to the Extras MasterCard through an invitation from PayPal.

The company sends these invitations periodically for people who qualify.


PayPal determines your credit limit once you apply for the credit card. It will consider various factors such as your credit history as well as current credit score when determining your limit.

Also, PayPal will increase your credit limit if your account remains active and open for at least 90 days. In addition, PayPal will also add a credit line which is equal to your credit limit. This happens once it approves your application.

Your card will arrive at your preferred address within ten days. Then you have to activate it before you can use it. Ensure you keep your credit card information up to date always.


Having access to credit when you have business expenses but a dip in cash flow can be extremely handy. Now that you know how to get a paypal credit card, you can use this useful form of credit to stay up to date with all your business expenses.