Earn 3% on everything using one card -Dead !-

[patoot10]

The trick still works.

In places that don't take credit the best you can do is earn 2% and that's a great return.

DMV, ARCO, WinCo and small stores.

[Brian_Earl_Spilner]

Business PayPal accounts are not eligible for the cashback card anymore, but it appears that if you had the combo before the change, it still works.

[SBR249]

It is however very easy to upgrade from personal to business accounts.

So to get the combo you need to sign up for personal account -> apply for CB MC -> upgrade to business account -> get the debit card

[patoot10]

Actually if you have the combo from a personal account I recommend upgrading to business because some people reported that paypal closed their business debit card.

[imaximous]

It's been working fine for me too. I use the combo almost exclusively with Plastiq to pay bills I normally have to send checks for or use bill pay with my checking account. At least, I beat the 2.5% fee by 0.5%

[staticvoidmain]

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@patoot10 wrote:

Actually if you have the combo from a personal account I recommend upgrading to business because some people reported that paypal closed their business debit card.

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I am receiving mixed comments with this. I have had the business debit when I "upgraded" to business 3-4 years ago. There wasn't really any difference between personal and business. In fact, PayPal seemed to actively encourage it, as it bugged me every single time I signed in to my account. Fast forward to July this year, I applied for the cashback card. I then — just noticed — that I have the "upgrade to business account" link on my account settings. I do not know for how long this had happened. This is weird because I have upgraded to business before, which is why I got the debit card. I have not received any mail from PayPal wanting to revoke my card. I personally believe this is only happening for recent "converts". Anyone here personally in the same boat?

[Anonymous]

I have the business debit card, a couple of months back it expired and a new one did not arrive. So I called them and they said they closed it. No letter no warning etc. I reopened it online as they instructed me to do and now it won't let me apply for the Paypal 2% cashback card. It says I'm not elgible. 

[TyRacing]

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@SBR249 wrote:

Yes, you can have 2 paypal accounts. The most common example I can think of is that someone will have both a personal account under their own name and a business account under their company's name. But why would you want multiple Paypal accounts of the same type?

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 right now i have a business account (have the business debit but not the CB credit card) so i would have to downgrade, right? but maybe it would be best to just open a new paypal account to apply for the credit card first then upgrade it to business to get debit card. 

[TyRacing]

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@Brian_Earl_Spilner wrote:

Business PayPal accounts are not eligible for the cashback card anymore, but it appears that if you had the combo before the change, it still works.

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so if i get the PayPal CB MC credit card and upgrade my paypal account to business, Paypal will cancel the credit card? 

[DaveInAZ]

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@patoot10 wrote:

Actually if you have the combo from a personal account I recommend upgrading to business because some people reported that paypal closed their business debit card.

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Yeah, I remember reading about that, and I think there was something about it on Doctor of Credit. I've always had just a personal account since 2005 and have had the business debit card since at least 2009 or 2010, and I never asked for it, it just came in the mail one day and has been replaced a couple times when it expired. I see no benefit to upgrading to a business account and will just leave things are they are, my current biz debit card is good to 3/2021, unless of course they cancel it - but they're making money when I use it, so it would be dumb of them to close it. I never carry the biz debit, or any debit card, I use the biz debit on Plastiq to pay my mortgage as the 3% combo with PP 2% MC cover's Plastiq's 2.5% fee, and also use it for paying bills like insurance & utilities.