Stack cashback from paypal debit (1%) and a rewards card?

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Stack cashback from paypal debit (1%) and a rewards card?

Postby Blue » Fri Oct 05, 2012 3:03 pm

Can you get two rewards from one purchase by buying with a paypal debit card, and funding your paypal account with a rewards credit card?

Paypal offers a debit card to qualified account holders that gives 1% cashback on signed-for purchases. They also allow you to fund your account by connecting it to a credit card -- if it's the highest priority on your list of payment sources, any purchases made with your paypal account will automatically charge the amount to the CC.

So, what's stopping me from getting 1% cashback from paypal, and say another 1.5% cashback from my credit card company?

I'm assuming there must be something that prevents customers from double dipping, but I don't know what it is. My only guess is that perhaps the CC will consider any paypal charges a cash advance, thus obliterating any reward gains, but I have not been able to find any information online about whether or not this is the case.

Any idea why this would or wouldn't work? Do you think it might be breaking one of the company's ToS or be considered fraud perhaps?

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Postby trumpet-205 » Sat Oct 06, 2012 10:38 am

You cannot double dip on PayPal debit card. I know because I tried it. It won't be considered as cash advance, but instead as backup fund. You will only get 1% cashback from PayPal debit card (assuming you did not use your PIN for purchases).

You are incorrect about highest priority. PayPal debit card first empties out your PayPal account before using PayPal CC as backup funding sources.
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Postby Blue » Sat Oct 06, 2012 7:57 pm

Hey Trumpet, thanks for replying.

What do you mean by backup fund?

I understand that an attached credit card is not the highest priority funding source for paypal payments. In order to make expenditures be taken from the credit card attached to your account, you need to have an empty paypal balance (because they always take from that first). You also need to have no bank account attached to your paypal account (because they will also always take from a bank account before charging a credit card).

But once you set up your account to have a credit card as the only available funding source, what's to stop you from getting the rewards from it?

By the way, I am referring to a third party credit card (say my Capital One), not the credit card that paypal offers themselves.

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