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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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I now am pennies away from $1250. But $400 of it is in gift cards. All the points are still pending. I don't know whether I should do another $400 and hope that would qualify for 20% if the prior $400 is capped lower.
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"How the 20% PayPal Offer Works (Based on What You Posted)
✔ You CAN have multiple transactions.
The wording says:
> "Eligible Participants will earn Points equivalent to 20% cash back on one or more Eligible Purchases up to $1,250 spent."
The phrase "one or more Eligible Purchases" means multiple transactions are allowed, and each can earn 20% as long as you haven't hit the total cap yet.
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✅ But there IS a TOTAL cap — not per transaction
It very clearly sets a maximum of $1,250 spent during the special 20% offer period.
Meaning:
✔ You can get 20% cash back on:
One $1,250 purchase
OR
Five $250 purchases
OR
Ten $125 purchases
OR
ANY combination of purchases…
❌ But once your total spending hits $1,250, the 20% cashback stops.
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🔍 Why this is the correct interpretation
The operative phrase:
> "Up to $1,250 spent."
If it were per transaction, PayPal would phrase it like:
"per transaction"
"per qualifying purchase"
"limit applies to each purchase"
But the text does not say that.
Instead, it treats $1,250 spent as a total pool for the offer period."
On a related note, there's a thread search feature
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
What really screwed me, though, was Staples. I had ordered a Nintendo Switch 2 through them yesterday, and the order went through using the pay in 4. However, a half hour later, Staples canceled the order for reasons unknown to me. The email said they needed more information, but I don't know what that is supposed to mean. That not only ruined that deal, but I wasn't able to use pay in 4 the rest of the day yesterday, and the pending charge will linger in the account making it seem as though there is a loan there that does not exist for who knows how long.
Today, I was excited to see that the pay in 4 option was back, so I tried ordering the Switch elsewhere, but during checkout I decided to change credit cards because one of my cards offers extended warranties. This pay in 4 was denied because, I guess, switching which credit card would take the payments made me sus all of a sudden despite both cards having been in my paypal account forever and their system allowing the option to switch. Now, who knows if I'll be able to use this again. If Staples had not canceled my order, life would be great. Now, I'm deeply irritated that I likely won't be able to get a decent deal on the Switch 2.
I had immediately paid off the monthly plan and the two pay in 4s that I had previously used, but I can't use the monthly plan anymore because I was denied on a second try due to having one already open, despite, again, it being paid off, and now I've been denied on the pay in 4 because I switched credit cards during the process. I have excellent credit and no balances on Paypal, but I guess I'm still a bum. No idea if either option will open up for me again before this deal has run its course, but for now I get to wallow in both my extreme irritation at Staples and my annoyance at myself for having the stupidity to switch cards mid transaction even though that shouldn't have been a problem.
And NO, you are NOT capped at $250 rewards on this special promotion for the period. That is a PER purchase limit. See my post along with AI analysis.
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