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PayPal Credit Card Limit vs. PayPal Credit It’s essential to distinguish between the PayPal credit card limit and the line of credit from PayPal Credit (a separate virtual credit product). PayPal Cashback Mastercard: Issuer: Synchrony Bank. Limit: Assigned credit line based on creditworthiness. Cashback: 2% on all purchases. Integration: Syncs directly with your PayPal wallet. PayPal Credit (Virtual Credit Line): Use: Online purchases only. Limit: Separate from Mastercard; typically starts at $250 USD. APR: Variable, with promotional offers available. Understanding your specific PayPal credit card limit helps manage spending across all platforms more efficiently. Conclusion The PayPal cashback Mastercard credit limit plays a vital role in how much you can spend, earn, and manage monthly through your PayPal-connected credit card. From setting your initial PayPal credit limit to tracking your PayPal monthly limit, it’s important to stay informed about your account status. 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