The minimum credit score needed for PayPal's 2% Cashback Mastercard is kept a secret. Based on similar competing cashback cards, the minimum score is probably around 620 FICO. Make sure your revolving utilization is below 30% when you apply or they may deny you.
You should always consider improving your credit score first before applying. If you are denied, you will get hit by a hard inquiry that will lower your score for 12 months. Working with a professional to improve your scores is always worth it in the long-run.
Get Your Credit Score Improved Professionally
In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.
If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (800-807-4388) or setup a consultation with them. They also happen to have incredible customer service.
Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.