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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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5,117 Comments
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I have points pending now for both purchases that reached the total limit of $1250
I did not see the points immediately for the 2nd purchase (I did for the first), but I think that had more to do with the retailer not charging to full amount right away for the multiple items in that order.
You might get 5% for later transactions, but even that's doubtful as the 5% wording has disappeared from the terms and offer page, and that was supposed to last to the end of December.
Check your offer within the rewards of the Paypal site or app. It will either show "saved" or "completed". If it says completed, you know you hit your limit.
Some people talked about paying off property tax. The per transaction limit wouldn't touch my property tax! lol
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"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"
Your purchases are no longer elible after 1250 spent. You guys are literally adding and taking away words to your benefit. Ill go ask my mom whose a lawyer if you want, or my sister who is a lawyer as well and actually works in comtract law. i know what the answer is though, so do you guys.
that last sentence in the toc is king, up to $1250 spent. That should obviously benthe most important thing you can take away. Its seriously the simplest thing, but you guys are trying to make it confusing.
Once you go over 1250 spent, it is no longer an eligible purchase, what you copied and pasted does not apply. Logic is seriousky fading in america, everyone thinks they can bs everything. Sorry logic is hard for you. Happy thanksgiving
"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."
How do you have 250 cash per eligible purchase if 250 is the cap in total??
Please use your head or ask your mom to explain it to you. Again try not to be so bitter. You win some you lose some.
After reading the comments and tried to place an order myself only read thoroughly the fine terms and conditions, I now have an unpopular opinion: This is an okay deal and reasons are as follows:-The pay later option is really applying a credit line through paypal (with a mastercard or just a line of credit).
-Cash back is capped at $250 for spending $1250.
There are credit cards that offer great sign up bonuses without annual fees such as spending $500 within first 3 months getting $200 statement credit or $300 for spending $1k.
Paypal credit may not as convenient as other big credit cards. It this was purely rewards without applying another credit line, then it would be a great deal!
Edit: needed to cross out the original comment because from the comments it seems that some folks got more than $250!
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-The pay later option is really applying a credit line through paypal (with a mastercard or just a line of credit).
-Cash back is capped at $250 for spending $1250.
There are credit cards that offer great sign up bonuses without annual fees such as spending $500 within first 3 months getting $200 statement credit or $300 for spending $1k.
Paypal credit may not as convenient as other big credit cards. It this was purely rewards without applying another credit line, then it would be a great deal!
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