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How to Get a PayPal Debit Card: U.S. Application Steps and Eligibility

Apply for the U.S. PayPal Debit Card through PayPal.com or the app. Learn the account and identity requirements, how to request and activate a physical card, and how availability differs by country.
From TheFinanceBase Team3 min to read
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In the United States, apply for the PayPal Debit Card through PayPal.com or the PayPal app. You need an active personal PayPal account in good standing, a PayPal Balance account, a confirmed U.S. street address, your date of birth and Social Security number (SSN); PayPal also verifies your identity. The digital card is available after approval, while a physical card must be requested separately. Availability and requirements differ by country.

How do I apply for the U.S. PayPal Debit Card?

  1. Sign in to your personal PayPal account on PayPal.com or in the PayPal app. If you do not have an account, create one and then choose the PayPal Debit Card application. The card is applied for through PayPal, not bought from a retailer.

  2. Provide the requested identifying details, including your name, address, date of birth and SSN. PayPal may ask for additional identity documents. You must have a confirmed U.S. street address; a P.O. box does not meet the address requirement in the U.S. card agreement.

  3. Apply through the PayPal account you actively use. PayPal says additional accounts associated with your SSN should be closed before applying. Approval is subject to identity verification and the account requirements.

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    #1 Best Overall
    Visa Physical Gift Card $200 (plus $6.95 Purchase Fee)
    • Gift Cards are shipped active and ready for use.
    • This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
    • To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
    • To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
    • Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
  4. After approval, use the digital card for online purchases or add it to a mobile wallet. To request a physical card in the app, tap your PayPal balance, select the PayPal Debit Card, then choose Request a physical card.

  5. Activate the physical card before using it. PayPal lists activation in the app, on its website or through its automated phone line.

    Rank #2
    Visa Virtual eGift Card
    • Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
    • When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
    • This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
    • Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
    • This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.

What are the U.S. eligibility requirements?

PayPal lists an active personal account in good standing, a PayPal Balance account, a confirmed U.S. street address, date of birth and SSN among the requirements. Under the U.S. cardholder agreement, applicants must be at least 18—or the applicable higher age of majority—and be a U.S. citizen or legal alien residing in a U.S. state or the District of Columbia, with a verifiable U.S. street address. Identity verification is part of approval.

The card is a debit card, not a credit card: spending draws on available funds in the PayPal Balance account. PayPal says the card is issued by The Bancorp Bank, N.A., under a Mastercard license; PayPal provides the service and application channel.

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Rank #3
MasterCard Physical Gift Card – $200 (plus $6.95 Purchase Fee)
  • Cards are shipped active and ready for use.
  • This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
  • Double check if the URL/website is genuine before entering card details online. Do not provide any gift card details (example: claim code) to someone you do not know or trust. There are a variety of scams in which fraudsters try to trick others into paying with gift cards.
  • If you believe that your Card has been lost or stolen, notify Mastercard immediately by calling 1-833-791-7288. You will be asked to provide the Gift Card number and other identifying information.
  • Use your Mastercard Gift Card in the U.S. everywhere Mastercard debit cards are accepted, including online. Your Amazon.com Balance cannot be used to purchase Mastercard gift cards.

Can I get a card outside the United States?

PayPal card products and eligibility are country-specific. The U.S. application steps and physical-card details should not be assumed to apply elsewhere. Check the PayPal card page and applicable agreement for your country before applying.

Market Requirements stated by PayPal Card availability details stated by PayPal
United States Active personal account in good standing, PayPal Balance account, confirmed U.S. street address, date of birth and SSN; identity verification applies. Digital card available after approval; request a physical card separately in the app.
United Kingdom UK personal PayPal account and a linked funding source; PayPal may reject applications. PayPal says a digital card is available and a physical card can be requested in the app.
Germany Personal account governed by German terms, confirmed linked bank account and valid SEPA direct debit mandate. The cited terms concern the German digital card; they do not establish that the U.S. physical-card process applies.
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What should I know about balance use and fees?

For the U.S. card, funds must be available in the PayPal Balance account to make purchases. PayPal’s U.S. product page says there is no monthly card fee and no transaction fee for U.S. purchases. International transactions and some ATM withdrawals may incur fees. Check PayPal’s current pricing disclosure and card terms before applying or traveling, since fees and limits can change.

Quick Recap

Bestseller No. 1
Visa Physical Gift Card $200 (plus $6.95 Purchase Fee)
Visa Physical Gift Card $200 (plus $6.95 Purchase Fee)
Gift Cards are shipped active and ready for use.
$206.95
Bestseller No. 2
Bestseller No. 3
MasterCard Physical Gift Card – $200 (plus $6.95 Purchase Fee)
MasterCard Physical Gift Card – $200 (plus $6.95 Purchase Fee)
Cards are shipped active and ready for use.
Bestseller No. 4
Bestseller No. 5
Best Value
Visa Virtual eGift Card
  • Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
  • When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
  • This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
  • Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
  • This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Rank #4
Visa Virtual eGift Card
  • Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
  • When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
  • This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
  • Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
  • This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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