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expiredE28M5 posted Nov 18, 2025 04:06 AM
expiredE28M5 posted Nov 18, 2025 04:06 AM

Select PayPal Accounts: One Eligible Purchase, Pay Later with PayPal, Get

(Up to $1,250 Spent)

20% Cash Back

PayPal.com
5,118 Comments 726,973 Views
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Deal Details
PayPal offers for Select Accounts: One Eligible Purchase, Get 20% Cash Back on Pay Later with PayPal when you save the offer to your PayPal account and pay later using PayPal for online or in-store purchases.
  • Note: Limited to one Eligible Purchase per customer, up to a total of $1,250 in spend. Eligibility may vary by account.
Thanks to Community Member E28M5 for sharing this deal.

Deal Instructions:
  1. Open the PayPal app on your phone (or go to the PayPal website if you're using a browser)
  2. Navigate to the PayPal Rewards section
  3. Look for the offer that says "20% cash back on pay later purchases with PayPal through 12/8"
  4. Once you find it, there should be a "Save offer" button. Tap or click that to activate the offer.
  5. After saving it, make sure you use PayPal Pay Later at checkout (choose "Pay Later" when you pay) to be eligible.

Editor's Notes

Written by Neo45 | Staff
  • When applying for PayPal Pay Later solutions, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older when applying for Pay Later
  • Offer reverts to 5% from December 9 - December 31
  • Please see the original post for additional details & give the WIKI and additional forum comments a read for helpful discussion.
  • Terms:
    • Offer ends on the earlier of December 2, 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.
    • For the one Eligible Purchase, each Eligible Participant will receive up to a maximum of 25000 Points, which can be redeemed for up to $250 cash or other options (the "Reward"). Rewards will no longer be earned once the Offer Period has ended. There is a maximum total of 2 billion (2,000,000,000) 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.

Original Post

Written by E28M5
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
PayPal offers for Select Accounts: One Eligible Purchase, Get 20% Cash Back on Pay Later with PayPal when you save the offer to your PayPal account and pay later using PayPal for online or in-store purchases.
  • Note: Limited to one Eligible Purchase per customer, up to a total of $1,250 in spend. Eligibility may vary by account.
Thanks to Community Member E28M5 for sharing this deal.

Deal Instructions:
  1. Open the PayPal app on your phone (or go to the PayPal website if you're using a browser)
  2. Navigate to the PayPal Rewards section
  3. Look for the offer that says "20% cash back on pay later purchases with PayPal through 12/8"
  4. Once you find it, there should be a "Save offer" button. Tap or click that to activate the offer.
  5. After saving it, make sure you use PayPal Pay Later at checkout (choose "Pay Later" when you pay) to be eligible.

Editor's Notes

Written by Neo45 | Staff
  • When applying for PayPal Pay Later solutions, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older when applying for Pay Later
  • Offer reverts to 5% from December 9 - December 31
  • Please see the original post for additional details & give the WIKI and additional forum comments a read for helpful discussion.
  • Terms:
    • Offer ends on the earlier of December 2, 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.
    • For the one Eligible Purchase, each Eligible Participant will receive up to a maximum of 25000 Points, which can be redeemed for up to $250 cash or other options (the "Reward"). Rewards will no longer be earned once the Offer Period has ended. There is a maximum total of 2 billion (2,000,000,000) 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.

Original Post

Written by E28M5

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Top Comments

Cpshell1
88 Posts
15 Reputation
Avoid Aliexpress via Paypal. All, yes ALL, transactions are being processed by Paypal as cash advance! Resulting in Credit Card Issuer inflicting a cash advance transaction fee + accrual of daily interest as high as 28% APR! No way to resolve and all three companies (CC, AE & Paypal) will circle jerk the finger pointing of who is responsible with no solution. Reddit is exploding with many customers getting hit with these fees in the tune of 10's and even 100's of dollars. Avoid!!!
omgitsspooky
117 Posts
10 Reputation
Paying the balance early in Pay Monthly won't violate the terms.
seantan2001
445 Posts
363 Reputation
Remove your PayPal account from eBay payment first. Now after making a purchase, it will redirect you to PayPal, pick 'pay in 4' from there.

5,117 Comments

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Dec 01, 2025 04:14 PM
1,040 Posts
Joined Oct 2011
hellonwheelzDec 01, 2025 04:14 PM
1,040 Posts
Quote from ikkilichacko :
Can I cancel the order if I don't get the cashback? Also if I happen to return the order later will the cashback stay?
It does seem that they are paying out cashback points within the return window. So you could wait till the cashback money is out of PayPal control and return stuff. For instance, I bought stuff at Best Buy, and I think I can return it up until the middle of January.
Dec 01, 2025 04:17 PM
2 Posts
Joined May 2025
pklalDec 01, 2025 04:17 PM
2 Posts
Do i have to purchase it through paypal app/website or can i choose paypal as payment method on any website that I'm about to purchase from?
Dec 01, 2025 04:19 PM
97 Posts
Joined Aug 2011
oshunfDec 01, 2025 04:19 PM
97 Posts
When selecting the Pay Later option, it shows options for payment plans up to 84 months, but all of them are with interest @ 21% APR (even though it says at the top of the page "Up to 6 months no interest).

What am I missing?
Dec 01, 2025 04:20 PM
978 Posts
Joined Jan 2015
unkk33Dec 01, 2025 04:20 PM
978 Posts
Is it possible to start a Pay in 4 with a BOFA card, then pay the balance off via Chase card?
Dec 01, 2025 04:25 PM
298 Posts
Joined Oct 2008
lytylimDec 01, 2025 04:25 PM
298 Posts
Quote from hellonwheelz :
It does seem that they are paying out cashback points within the return window. So you could wait till the cashback money is out of PayPal control and return stuff. For instance, I bought stuff at Best Buy, and I think I can return it up until the middle of January.
Refund goes to PayPal, they will withhold the amount for points redeemed
Dec 01, 2025 04:27 PM
1,040 Posts
Joined Oct 2011
hellonwheelzDec 01, 2025 04:27 PM
1,040 Posts
Quote from lytylim :
Refund goes to PayPal, they will withhold the amount for points redeemed
Of course, you're evidently way smarter than me, lol.
Dec 01, 2025 04:43 PM
44 Posts
Joined Nov 2018
Sudbury78Dec 01, 2025 04:43 PM
44 Posts
Quote from pklal :
Do i have to purchase it through paypal app/website or can i choose paypal as payment method on any website that I'm about to purchase from?
My assumption is we would need to purchase via the app as i was hoping to buy airfare but American Airlines is not accessible via the app.

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Dec 01, 2025 04:43 PM
295 Posts
Joined Nov 2009
textech007Dec 01, 2025 04:43 PM
295 Posts
Quote from hellonwheelz :

It does seem that they are paying out cashback points within the return window. So you could wait till the cashback money is out of PayPal control and return stuff. For instance, I bought stuff at Best Buy, and I think I can return it up until the middle of January.
PayPal terms strictly state that it'll take 90 days to issue the points, which by then most, if not all return windows would close. I personally don't like how PayPal pulled this shady stuff... it screwed me over by not letting me use the 'Pay in 4' even though I was fully eligible. I'm sure someone is going to sue them over this.
Dec 01, 2025 04:45 PM
1,712 Posts
Joined Sep 2013
okhelloDec 01, 2025 04:45 PM
1,712 Posts
Quote from NewCents :
Hit or miss on different accounts at different vendors. I believe some have gotten the go ahead at WallyIf you don't get it you could try going in sideways with a different browser, etc.Bottom line if you get the offer you get it. If you don't, you're out of luck
It will not work for Walmart. I tried at Samsung website and it showed up, but I didn't buy any.
Dec 01, 2025 04:46 PM
56 Posts
Joined Jun 2017
MijamdealsDec 01, 2025 04:46 PM
56 Posts
Quote from samwathegreat :
Just curious - How small?
Today's purchase was $400. And that $400 still wouldn't have maxed out the 20% rewards. Only thing I can think of is that the 5% back that preceded the 20% was also included in the $1250 total spend. I didn't max out the rewards total of 25000, but when I include those 5% purchases from earlier, my total spend across both promotions for 5% back and 20% back comes to about $1300.
Dec 01, 2025 04:48 PM
58 Posts
Joined Aug 2014
JulieH3760Dec 01, 2025 04:48 PM
58 Posts
I got my cash back today!!
Dec 01, 2025 04:54 PM
896 Posts
Joined Nov 2009
epicjas0nDec 01, 2025 04:54 PM
896 Posts
Quote from pklal :
Do i have to purchase it through paypal app/website or can i choose paypal as payment method on any website that I'm about to purchase from?
You can buy from the website, doesn't have to be through PayPal app/site. I just placed an order and my rewards points are pending.
Dec 01, 2025 04:55 PM
896 Posts
Joined Nov 2009
epicjas0nDec 01, 2025 04:55 PM
896 Posts
Quote from oshunf :
When selecting the Pay Later option, it shows options for payment plans up to 84 months, but all of them are with interest @ 21% APR (even though it says at the top of the page "Up to 6 months no interest).

What am I missing?
Choose the pay in 4 option (interest free)
Dec 01, 2025 04:56 PM
41 Posts
Joined Jan 2017
johnp7796Dec 01, 2025 04:56 PM
41 Posts
Quote from waterfront :

You're probably right. Or worse, as per the new terms, they might approve only the first transaction and void every pay-later purchase afterward. No one really knows. The next 90 days will reveal everything…
It was straight up in the terms and conditions of the promo that maximum points was 25,000 which is $250 per ACCOUNT. This was before the term change to single transaction only.

Do people really not read the T&S? It's like...2 pages long.
1

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Dec 01, 2025 05:00 PM
75 Posts
Joined Jul 2013
MichaelM5898Dec 01, 2025 05:00 PM
75 Posts
Quote from unkk33 :
Is it possible to start a Pay in 4 with a BOFA card, then pay the balance off via Chase card?
No. Can't use Chase for pay in 4.
1

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