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PayPal may at any time and in its sole discretion, without prior notice, terminate, cancel, suspend or modify this offer or these terms."Eligible Participant": Open only to residents of any one (1) of the fifty (50) United States or the District of Columbia or select U.S. Territories who: (1) are eighteen (18) years of age or older, (2) have a U.S. personal account with PayPal that remains in good standing through Reward fulfillment ("PayPal Account"), and (3) receive an in app banner, email or other presentation inviting participation in the Offer and save the Offer ("Invitation") (eligibility for those who receive the Invitation will be determined solely by PayPal). "Offer Period": Starts on October 6, 2025, at 12:00:00 a.m. PT and ends on the earlier of December 31, 2025, at 11:59:59 p.m. PT or when the maximum number of PayPal Rewards Points available under this Offer for all Eligible Participants is reached. "Special Offer Period": Starts on November 17, 2025, at 12:00:00 a.m. PT and ends on the earlier of December 8, 2025, at 11:59:59 p.m. PT or when the maximum number of PayPal Rewards Points available under this Offer for all Eligible Participants is reached. How it Works: The Offer allows Eligible Participants to earn PayPal Rewards Points ("Points") equivalent to 5% cash back on one or more Eligible Purchases during the Offer Period up to $5,000 spent. Eligible Participant must save the Offer through the Invitation once and then successfully complete one (1) or more Eligible Purchases during the Offer Period. For each Eligible Purchase, each Eligible Participant will receive a maximum of 25000 Points, which can be redeemed for $250 cash or other options (the "Reward") per Eligible Purchase. Reward will no longer be earned once the Offer Period has ended. There is a maximum total of 1,500,000,000 Points available under this offer for all Eligible Participants who have saved the offer and made an Eligible Purchase. Rewards will no longer be available once this limit is reached. If the maximum total of Points available is reached before the end of the Offer Period, this offer will end early. During the Special Offer Period, Eligible Participants will earn Points equivalent to 20% cash back on one or more Eligible Purchases up to $1,250 spent. The receipt and redemption of Points is subject to the PayPal Rewards Agreement. "Eligible Purchase(s)": Eligible Purchases are purchases made using either Pay in 4 or Pay Monthly that are completed during the Offer Period by an Eligible Participant who has saved the Offer. Eligible Purchases do not include: (1) purchases that are marked as "pending" as of the end of the Offer Period, (2) purchases with Pay in 4 where the first payment has not been successfully processed, (3) any purchase or portion of a purchase that involves a payment method other than Pay in 4 or Pay Monthly; (4) purchases made at a merchant who enrolled in Pay Later within 30 days prior to the start of the promotion; and (5) any purchase involving non-profit organizations, gambling, security brokers/dealers, foreign currency/money orders, and stored value cards. Satisfaction of Eligible Purchase criteria will be determined solely by PayPal. Reward Redemption: Reward should be available in Eligible Participant's Account Overview section of the PayPal Account to redeem for cash and other redemption options within fourteen (14) days after qualifying to receive the Reward, although may take longer. See the "Redeeming Points" section of the PayPal Rewards Agreement for details. Miscellaneous: Participation in offer is subject to the PayPal User Agreement, PayPal Rewards Agreement and the underlying Pay in 4/Pay Monthly loan agreement(s) to each Eligible Purchase. Similar offers may run at the same time; qualification for this offer does not constitute qualification for any other offer. PayPal is not responsible and/or liable if any e-mail, Reward, or offer-related materials or correspondence are not delivered for any reason. This offer is only redeemable in its originally published form. Account Review and Reward Adjustments: PayPal may review accounts and purchases related to this offer at any time. If Eligible Purchases are refunded or if loan payments are not completed as agreed, PayPal may delay or reverse your Reward without prior notice. PayPal also reserves the right to deny or reverse Rewards should an account show patterns of abuse, fraud or exploitation of the program. Important Credit Information: Pay in 4 and Pay Monthly are loan products. Missing payments or defaulting on these loans may negatively impact your credit score and credit history. Pay in 4 is available to consumers upon approval for purchases of $30 - $1500. Pay in 4 is currently not available to residents of MO. Offer availability depends on the merchant and also may not be available for recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. NM residents: Find more disclosures related to Pay in 4. RI Small Loan Lender Licensee. Pay Monthly is subject to consumer credit approval and eligibility. Fixed APR is 9.99-35.99%. Eligibility varies and exclusions may apply. Terms and rates vary based on purchase amount and your credit. Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI or WA. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. |
The terms spelled out above are the original terms. The terms have been modified. See this link for current terms https://www.paypal.com/us/campaig...ffer-terms
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11/26/2025 10:28am PST Update: This is now limited to ONE transaction, with 20% rewards back up to $1,250. Paypal email memo notes that the promotion for spend on multiple transactions prior to the notification will be honored.
Walmart:
1) you have to make sure Paypal is not a saved method of payment in your wallet. If so, go into your account and remove it
2) When you are in checkout, uncheck the box that says Remember Paypal as a payment option.
CHASE CARDS NOT ELIGIBLE
Here is what was sent to my message folder on Paypal. Not the A.I. chatbox.
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I have checked your account and see that there is a purchase with Walmart.com for $XXX.xx USD using Pay in 4 and it is completed.Please be assured you are eligible for offer and you will get the points for it. Also, I would suggest you to not make the complete payment at this moment to avoid any issue with the offer. You can make the complete payment after 14 days. |
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No, paying off a PayPal "Pay Later" balance using a Chase Freedom credit card is not likely to earn 5% cash back.
This is because the payment to settle a "Pay Later" balance is considered a loan repayment or a cash advance, not a purchase of goods or services through PayPal. Chase specifically excludes payments to short-term installment loan providers (like Klarna or AfterPay) from earning bonus rewards, and user data points indicate Chase and Capital One cards are generally excluded as funding sources for PayPal Pay in 4 repayments.
The 5% cash back is intended for actual purchases where PayPal acts as the payment processor for a merchant, such as buying an item online and selecting PayPal as the payment method at checkout, with the Chase card as the funding source for that initial transaction
I ran it through AI, and it said:
No, paying off a PayPal "Pay Later" balance using a Chase Freedom credit card is not likely to earn 5% cash back.
This is because the payment to settle a "Pay Later" balance is considered a loan repayment or a cash advance, not a purchase of goods or services through PayPal. Chase specifically excludes payments to short-term installment loan providers (like Klarna or AfterPay) from earning bonus rewards, and user data points indicate Chase and Capital One cards are generally excluded as funding sources for PayPal Pay in 4 repayments.
The 5% cash back is intended for actual purchases where PayPal acts as the payment processor for a merchant, such as buying an item online and selecting PayPal as the payment method at checkout, with the Chase card as the funding source for that initial transaction
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No, that's the terms on the 20% offer.
See:
https://slickdeals.net/forums/showpost.php?p=
I also ran the terms through a different AI engine, and it agrees with me also:
This caps any single Eligible Purchase at $250 in rewards (25,000 Points), regardless of the rate (5% or 20%).
At 5%, that means rewards on up to $5,000 per purchase (5% of $5,000 = $250).
At 20%, that means rewards on up to $1,250 per purchase (20% of $1,250 = $250).
It explicitly ties to "each" and "per" purchase, so the cap is transaction-specific, not an aggregate across multiple purchases. There's no language limiting you to one such maxed-out purchase.
How This Applies to the 20% Special Offer Period (Nov 17–Dec 8, 2025)
The terms state: "Eligible Participants will earn Points equivalent to 20% cash back on one or more Eligible Purchases up to $1,250 spent."
The "$1,250 spent" phrasing is ambiguous on its own—it could be read as a total across all purchases or per purchase.
But combining it with the "maximum of 25,000 Points... per Eligible Purchase" line, it's clear the $1,250 limit (and thus $250 reward) applies per transaction.
Official PayPal help docs confirm this: "There is no cap on how much cash back you can earn in total over the duration of the campaign" (beyond the global pool), and they note "caps per transaction given loan maximums." Independent deal trackers also interpret it as "$1,250 in spend per transaction," allowing multiple uses.
Bottom line for 20%: No total per-participant limit beyond what's possible via multiple purchases. You could theoretically earn $250 per qualifying purchase, as long as each is ≤$1,250 and uses Pay in 4 or Pay Monthly. (E.g., two $1,250 purchases = $500 total rewards at 20%.) Pay in 4 maxes at $1,500 per purchase anyway, so you'd hit the reward cap at $1,250 spend there.
ChatGPT said: Based on the sentence as written, the limit applies per participant, not per transaction.
Here's why:
- It says: "Eligible Participants will earn Points equivalent to 20% cash back on one or more Eligible Purchases up to $1,250 spent."
- The phrase "up to $1,250 spent" is tied to the participant's total qualifying spend during the Special Offer Period.
- It does not say "per transaction," "per purchase," or "per Eligible Purchase," which would be required to make it a per-transaction cap.
So under this wording:✔ Interpretation
- Maximum spend eligible for the 20% rate: $1,250 per participant
- Maximum cash-back value: 20% of $1,250 = $250 per participant
- Multiple purchases can contribute to the $1,250 cap.
The T&C are so confusing... 😮 💨ChatGPT said: Based on the sentence as written, the limit applies per participant, not per transaction.
Here's why:
- It says: "Eligible Participants will earn Points equivalent to 20% cash back on one or more Eligible Purchases up to $1,250 spent."
- The phrase "up to $1,250 spent" is tied to the participant's total qualifying spend during the Special Offer Period.
- It does not say "per transaction," "per purchase," or "per Eligible Purchase," which would be required to make it a per-transaction cap.
So under this wording:✔ Interpretation
- Maximum spend eligible for the 20% rate: $1,250 per participant
- Maximum cash-back value: 20% of $1,250 = $250 per participant
- Multiple purchases can contribute to the $1,250 cap.
The T&C are so confusing...The "$1,250 spent" phrasing is ambiguous on its own—it could be read as a total across all purchases or per purchase.
But combining it with the "maximum of 25,000 Points... per Eligible Purchase" line, it's clear the $1,250 limit (and thus $250 reward) applies per transaction.
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