Posted by William Charles on August 21, 2019
Credit Cards

Published on August 21st, 2019 | by William Charles

35

Various Synchrony Paypal Offers ($100-$200 or 0% APR)

The Offer

Card Details

  • No annual fee
  • Card earns 2% back on all purchases

Our Verdict

I think the $100 offer is probably the best.

Hat tip to US Credit Cards 101



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K-Man

I got his card last month. Aghh 🙁

Xinqing Wang
Xinqing Wang

I also got this card two weeks ago. Is there anyway that we can match the opening bonus?

Brandon
Brandon

Essentially the 4% back option is a spend $5000 for $200 bonus technically making the $100 for 1k spend the better deal as DOC said

DeeezNuuts
DeeezNuuts

The card is already giving 2% anyways, so if your spending $5K on the $100 offer you’ll get $300 as opposed to $200 on the 4% offer. The 4% offer should not be considered unless you want to open the card and don’t plan on spending over $1K in 3 months. The verdict should be edited to reflect what I just said, the 4% offer doesn’t benefit big spenders since it maxes out at $200.

Andrey
Andrey

Spending $5000 will give you $200 on both offers.

DeeezNuuts
DeeezNuuts

your right, my mistake, but the verdict should not hint the 4% offer is better if you plan to spend alot. After $5K, there is no more 4% bonus, so it only benefits those that do not plan to go over $1k

Betelgeuse
Betelgeuse

Agreed. If you spend 5k you’d get 200$ from either offer. If you spend less than 5k then 100$ on 1k is a better offer. So no point going for the 4% offer.

SG
SG

I saw somewhere in reddit that paypal CC does not report to credit report but change is coming and it’ll going to show. Is it in effect now (or true)?

Midnight
Midnight

They were probably referring to the PayPal Credit Line, not the PayPal Credit cards.

Andrey
Andrey

Even PayPal credit is reported.

Alex
Alex

My PayPal credit is not reported

Blake
Blake

I don’t know were you read that, but it definitely shows up on my credit report.

LC
LC

as Synchrony Bank?

Dubya
Dubya

That’s old info. And besides they are referring to the PayPal credit not the PayPal credit cards. Those are two different things. Three actually.

Previously PayPal credit was a hidden trade line (did not show up on any reports). Several months ago that was changed for all new customers and legacy customers are being transitioned to a reporting trade line too.

But again….that’s not this card anyway.

SG
SG

Sorry for all the confusion. Thanks for clarifying.

Sizzlechest
Sizzlechest

I have a Citi Double Cash and this card looks attractive as an alternative once all the benefits drop in a month. Is there anything I have to watch out for? Does this card offer extended warranty on purchases?

Dubya
Dubya

No

Brandon
Brandon

Basically, it will be the same as the Double Cash after the benefits drop this month. The benefits are the no FTF and no min redemption. I didn’t get the bonus when I applied, but it is going to be a main driver when not churning due to me cancelling my DC once the benefits drop (but I might use it again if given some spend bonus offer).

atexit8
atexit8

With co-branded credit card like these, does Paypal get a cut of the fee charged to the merchant?

Also, can the rewards be applied as statement credit instead of to Paypal balance?

Dubya
Dubya

Rewards can only be deposited into your PayPal account. Then you can pay your bill or transfer to another bank account

atexit8
atexit8

Thanks.
I only have a Paypal account that cannot hold a balance because I have not verified my identity with Paypal.

LMD
LMD

They only ever give me 0% apr offers. Weak

Abe
Abe

So these are sign-up offers. I never get any offers as a holder of the card.

Chris
Chris

I’ve been waiting for a bonus to show up for this card. Now I can finally apply.

Aaron
Aaron

Can you set the cash adv limit to $0 or near zero?

Chris
Chris

Curious myself

EK
EK

I received the $100 back offer in June. I applied in July and was approved although my limit was lower than expected. It’s a very basic site but no issues yet.

LC
LC

how the hell did you login to paypal credit card site? Can’t find it for the life of me…

Aaron
Aaron

I can confirm that you can get them to hard pull only EQ. I had TU and EX frozen when I applied/approved for the PayPal Cashback cc w/ above $100 promo attached.

Mark
Mark

Can you actually just click on one of the links you want and you’ll get the offer, or this targeted?

Hannah
Hannah

Anyone got the offer successfully? I tried applying, the link works but when you get through the application, the terms and conditions don’t include any wording for the bonus offer.

LC
LC

Can anyone give some advice on how one logs in to view their balance information, pay bills… you know do anything a normal credit card site has options for…. cant even find where to login!

Dubya
Dubya

Many people have expressed frustration with PayPal because of this. Log into your PayPal account to manage the card

DeeezNuuts
DeeezNuuts

Heads up, this offer ends Saturday (October 5)

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