Card economics
PayPal Debit Card
PayPal Debit rewards are modeled at 1 cent per PayPal Rewards point when redeemed toward eligible PayPal checkout purchases. Cash-out redemption ends after August 1, 2026; options, values, eligibility, and terms can change.
Annual fee
No annual fee
Some links are affiliate links. Depending on the program, we may receive compensation when you click, apply, or are approved, at no additional cost to you. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Everything else | 0xBase rate |
Category selection rules
5% selected monthly category
Choose 1 category for the bonus rate
Categories in the same issuer-defined group use one selection.
Groceries — in store + Groceries — online + Whole Foods + Warehouse Clubs + Costco / Costco.com
Dining + Fast Food
Gas stations (excluding Costco Gas) + EV Charging
Cap: $1,000/month | Non-selected categories earn 0x
The optimizer selects the highest-modeled-value categories based on your spending.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The PayPal Debit Card might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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