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. This is a debit card and does not build credit.
Annual fee
No annual fee
Foreign transaction fee
2.5%
Some links may become affiliate links; today none pay us. 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
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Everything else | 0xBase rate |
Category selection rules
Some cards let you pick bonus categories each quarter or year. The optimizer selects the highest-modeled-value categories based on your spending pattern.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 Oct 11, 2026; see the Corrections page for later changes. 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.