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Look at the low interest credit cards we offer. For example, the Discover it® Cash Back may be of interest to you. It comes with a 0% Intro APR for 15 months on purchases and balance transfers (when the introductory interest rate is over, then 17.24% - 28.24% Variable APR on purchases and balance transfers will apply). The ongoing variable interest rate will be lower than of PayPal credit card and will depend on your creditworthiness. The card has cash back rewards program - you will earn 1% cash back on all purchases and 5% cash back in rotating categories. You will need to enroll every time a category changes to be able to earn rewards. The cash back never expire. There is no annual fee and your first late payment won't raise your APR.