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

[UncleB]

---

@staticvoidmain wrote:

---

@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.

---

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?

---

It sounds like you might have the in-between "Premier" account; that's what I have as well.  Years ago I was also pestered to upgrade to it from personal (I think at the time the Business debit card required it) and I did; so far no prompt to get the full-business account and I still have the Business debit Mastercard.

https://www.paypal.com/us/smarthelp/article/what-is-the-difference-between-personal,-premier,-and-bu...

I've not received any marketing for the Paypal 2% MasterCard in a while but up until a few months ago I was regularly receiving email solicitations, so unless something has recently changed (which is very possible) Premier accounts are eligible to apply for it.

Edited to add:  For 'giggles' I just went to see if I could still app for the 2% card; I had to dig a little bit for the right link, but I was able to start the process (I didn't complete it).

[Anonymous]

If you’ve had the biz debit at anytime in the past, they’ll give you a new one no questions asked.

I had the biz debit around 2009-2010 back when I sold on eBay. I honestly could tell you when it expired, or where the original card is.

Fast forward to Dec 2017, I got the PayPal 2%.

Fast forward Aug 2018 I call PP and say, “I use to have a business debit, can you send me another?” She replies, “Yes.” I’m like, “Thx miss”
7 days later I’m earning 3%.

Point is, they don’t make you jump through hoops to get a biz debit card.

[DaveInAZ]

---

@UncleB wrote:

It sounds like you might have the in-between "Premier" account; that's what I have as well.  Years ago I was also pestered to upgrade to it from personal (I think at the time the Business debit card required it) and I did; so far no prompt to get the full-business account and I still have the Business debit Mastercard.

https://www.paypal.com/us/smarthelp/article/what-is-the-difference-between-personal,-premier,-and-bu...

I've not received any marketing for the Paypal 2% MasterCard in a while but up until a few months ago I was regularly receiving email solicitations, so unless something has recently changed (which is very possible) Premier accounts are eligible to apply for it.

---

• Personal: Recommended for individuals who shop and pay online, or wish to send or receive personal payments for shared expenses such as splitting of dinner bills or rental charges.
• Premier: Recommended for casual sellers or non-businesses who wish to get paid online, and who also make online purchases.
• Business: Recommended for merchants who operate under a company/group name. It offers additional features such as allowing up to 200 employees limited access to your account and customer service email alias for customer issues to be routed for faster follow-ups.

Maybe that's it, I'm a "causual seller" and upgraded to Premier and that's when I got the business debit card. PayPal doesn't tell you if your account is Personal or Premier (or nowhere I can find), but in my Profile I see a Merchant ID, and on the Summary Page I see "Selling Tools", with options for Manage Invoices, MultiOrder Shipping, and Seller Preferences. I've used the MultiOrder Shipping several times, much faster for shipping labels for more than one item.

[3bcswins3]

If you do an ATM withdrawal with PP business debit with $0 PayPal balance and PP2% card as the backup, would this be considered a cash advance or a 2% cash back purchase?

[Jetboy]

---

@3bcswins3 wrote:

If you do an ATM withdrawal with PP business debit with $0 PayPal balance and PP2% card as the backup, would this be considered a cash advance or a 2% cash back purchase?

---

Great question.

[Anonymous]

---

@3bcswins3 wrote:

If you do an ATM withdrawal with PP business debit with $0 PayPal balance and PP2% card as the backup, would this be considered a cash advance or a 2% cash back purchase?

---

I’d love to know the answer to this as well.

[Anonymous]

---

@3bcswins3 wrote:

If you do an ATM withdrawal with PP business debit with $0 PayPal balance and PP2% card as the backup, would this be considered a cash advance or a 2% cash back purchase?

---

My guess is it would decline the transaction.  I've thought about this but never tried it.  I do use Google Pay send to send money to my roommate using my Paypal Debit card, and it only works if there is a balance in Paypal.  It still processes as a signature purchase for the 1% cash back though.

[DaveInAZ]

---

@Anonymous wrote:

My guess is it would decline the transaction.  I've thought about this but never tried it.  I do use Google Pay send to send money to my roommate using my Paypal Debit card, and it only works if there is a balance in Paypal.  It still processes as a signature purchase for the 1% cash back though.

---

Yeah, I'm pretty sure you would need to have cash in PayPal to use it at an ATM, and you'll almost certainly get a fee from the owner of the ATM.

I use Google Pay with my PP Debit card to move cash out of PayPal into a bank account, it's there instantly instead of a couple days using PP ACH transfer. You just need two Google Pay accounts, or more accurately two gmail accounts, send from one with the PP Debit card to the other with the debit card for the account you want it to go to. And yeah you get 1% on that.

[Anonymous]

---

@DaveInAZ wrote:

---

@Anonymous wrote:

My guess is it would decline the transaction.  I've thought about this but never tried it.  I do use Google Pay send to send money to my roommate using my Paypal Debit card, and it only works if there is a balance in Paypal.  It still processes as a signature purchase for the 1% cash back though.

---

Yeah, I'm pretty sure you would need to have cash in PayPal to use it at an ATM, and you'll almost certainly get a fee from the owner of the ATM.

I use Google Pay with my PP Debit card to move cash out of PayPal into a bank account, it's there instantly instead of a couple days using PP ACH transfer. You just need two Google Pay accounts, or more accurately two gmail accounts, send from one with the PP Debit card to the other with the debit card for the account you want it to go to. And yeah you get 1% on that.

---

Have you had any success with sending more than $400 with GPay?  When I try to send more than $400 the transaction get's declined, but $400 or under works just fine, but only once per day.  I assumed that is due to the $400 cash withdrawal limit.  Is your experience the same?

[DaveInAZ]

---

@Anonymous wrote:

Have you had any success with sending more than $400 with GPay?  When I try to send more than $400 the transaction get's declined, but $400 or under works just fine, but only once per day.  I assumed that is due to the $400 cash withdrawal limit.  Is your experience the same?

---

No, the most I've moved in one transaction is around $250, and I haven't tried it more than once per day. When I sell some things on eBay I redeem my 2% MC rewards and move everything out to a bank account. But it sure works great, within a minute the money is in my banking account as a pending credit in my available balance.

For the 1% debit +2% Cashback MC I use that for monthly/recurring bills - electricity, internet, insurance, and my mortgage through Plastiq as it covers the Plastiq fee +.5%.