Vanilla Reload Alternative – Paypal My Cash Card

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The Paypal My Cash card is a good alternative to the Vanilla Reload cards found at CVS.  My local CVS stores do not carry Vanilla Reload cards anymore, but have the Paypal My Cash Card.  You also may be able to find the Paypal My Cash Card at Riteaid.  Similar to Vanilla Reload cards, it costs $3.95 to load $500 into your Paypal account.  Many people choose not to work with Paypal because people have experiences with frozen accounts if Paypal suspects suspicious behavior. 


Paypal Debit and Paypal My Cash Card $3.95 fee for $500

However, Paypal announces to ease its policies and to resolve frozen accounts quickly according to this article. I have not have any experience with a frozen Paypal account, but then again I rarely reach the monthly limit of $4,000 for the Paypal My Cash Card.

How to Liquidate your Paypal My Cash Card

It is highly recommended to apply for the Paypal Debit Business Card which links your debit card to your Paypal balance.  You can then liquidate your Paypal balance using the following methods:

  1. Spend a small amount at grocery stores and get cash back.  You can get up to $200 cash back at many places. 
  2. Load Bluebird card with Paypal Debit – $1,000 per day at Walmart.
  3. Buy $0.70 money order at Walmart.
  4. Pay off your store credit card with a debit card.  I paid off a Macy’s credit card at the store with the Paypal debit card after receiving 15% back.  A great way to get store discounts and not worry about the bill.  Of course you cannot use a credit card to pay off store credit cards.  🙁
  5. Withdraw Paypal balance – Not recommended.  I’ve withdrew some small amounts over time, but this is the number one way to get your account frozen.  Be very careful.
Which Credit Card to Use to Buy Paypal My Cash Card?

The Hilton AMEX credit cards are an obvious choice because they give 6X points from drugstores.  However since the Hilton Devaluation announcement occuring on March 28, 2013, collecting Hilton points may not be worth it now.  There is still time to collect some points before your statement closes and the booking deadline is reached though. 

  • Buying a Paypal My Cash card at $503.95, you can earn 3,024 Hilton points or $0.0013 a point. 
  • Buying a Paypal My Cash card at $503.95, you can earn 504 SPG or 504 Ultimate Rewards points at $0.0078 a point. 

I would personally mix up my purchases between 3 different cards.  Buying SPG or UR points at $0.078 a point is a good deal, but is it worth the effort?

I am reconsidering if all this is worth the trouble, but its not really trouble when you enjoy collecting points and treat it as a game.  Going to the store, loading these cards to your Paypal account, and then liquidating them requires some effort.  It all depends how you value your time and comparing work vs. leisure.  However, some people might not see collecting these points as “work” and consider it leisure.  I know… crazy people. 😉

Is this method worth it for you?

49 comments for “Vanilla Reload Alternative – Paypal My Cash Card

  1. Entrada
    February 21, 2013 at 6:41 am

    Isn’t your math wrong for the UR calculation? I think it is $0.0078 per UR point. Under one cent per point.

    • February 21, 2013 at 8:09 am

      Fixed! I forgot a 0 again, it is under 1 cent per point.

  2. February 21, 2013 at 7:43 am

    Has anybody found the Paypal My Cash cards anywhere else? No CSV or Riteaide love here in mid-Missouri.

    • February 21, 2013 at 8:44 am

      Check Looks like Family Dollar and General Dollar also sell them.

    • william Cowen
      September 15, 2017 at 8:13 pm

      Due to scammers the paypal cash card is no longer available. you have to down load the paypal app to your phone and it will generate a barcode for you . this you can use at 7/11 rite aid and cvs only stores. you open the paypal app go to the manage money it then click add money at bottom of next page choose add cash at a store click continue click choose a retailer select the retailer of 3 choices click get started verify choice then click contoinue . this will generate the barcode needed to load uraccount . hand money to clerk then the clerk scans ur barcode and 15 minutes later ur money is available on ur card. . you do havea 2 hour window to use barcode or regenerate a new one.

  3. Josh
    February 21, 2013 at 7:56 am

    My landlord lets me pay my rent via Paypal 🙂

    • February 21, 2013 at 8:10 am

      Awesome, that is a good way to liquidate quickly. I have not heard cases of Paypal shutting down due to actual spending. You should be good!

  4. Steven
    February 21, 2013 at 8:14 am

    Its probably worth mentioning that paypal requires a detailed account verification in order to use these cards. Including having you send in your social security card, proof of address ect to start using these types of cards. It is mentioned on the back of the cards but in fine print. So don’t plan to liquidate these quickly when your first start and start small.

    • February 21, 2013 at 3:07 pm

      I don’t remember them asking for your SS card. As stated, I would also take it slowly and use my debit card at stores and get cash back.

  5. jkl
    February 21, 2013 at 2:27 pm

    this is also good for hi credit card spending requirements correct?

    • February 21, 2013 at 3:08 pm

      Yes, you could buy Paypal My Cash cards with any credit card to reach minimum spend.

      • Jayson
        October 6, 2013 at 4:45 pm

        Have you tried this recently?

        I tried purchasing using my Chase Ink Card and 7-11 said they only accept cash. Same thing happened at Office Depot.

        • October 6, 2013 at 6:15 pm

          I only can buy this at CVS. Cash only as you mentioned at those stores above.

  6. Ron
    February 21, 2013 at 8:41 pm

    I got shut down by sending $ to my BB account. I could have bought MOs etc, but was too much of a hassle for only $4K/mo. There are easier methods, but if you don’t have access to them, this is a method of last resort.

    I’d like to find somewhere to buy Reloadit cards with gcs. Up to $950 per load @ $3.95 would be nice.

    • February 21, 2013 at 8:48 pm

      Thanks for the report. Be very conservative with paypal.

    • ben
      May 1, 2013 at 8:05 pm

      Ron, what will you be using the Reloadit cards for? Thanks and cheers.

      • May 1, 2013 at 10:11 pm

        I don’t have reloadit cards.

  7. Michael H.(oldfox)
    March 3, 2013 at 6:05 am

    I love the blog. Thanks for the info and ideas you provide! Give me some feedback, please. I can’t get Bluebird…it’s a long story! I just got a PayPal personal account, but I haven’t given any banking info yet. Paypal scares me in some ways. However, I want to use Paypal to pay for a school I’ll go to soon in Kyrgyzstan. The school accepts PayPal but not credit cards. I also want to meet a minimum spend on a new Citi Hilton card. Could I just give Paypal my Hilton card info, no bank account info, and then buy a Paypal Cash card using Citi Hilton card at CVS? I would then load the cash into my Paypal account. The amount is only $500, but II have my concerns about Paypal! Thanks for your input.

    • March 3, 2013 at 10:40 am

      If you use your cc to pay somebody with PayPal, there will be a fee. If you use paypal cash from cvs there will be no fee. I don’t think you’ll have problems loading PayPal my cash and paying your school. That is its intended purpose.

  8. DealSeeker
    March 10, 2013 at 6:51 am

    How Paypal My Cash reset their limit? According to paypal, it said it reset on calendar month but it has not, at least to my case. Anyone has this problem?

    @RON, Why Papal closed your account by spending BB account? I saw in Paypal detailed transaction, it said PIN Purchase @ Walmart, it looks legit?

    • March 10, 2013 at 10:37 am

      PayPal my cash limit resets each month.

  9. Russell
    March 12, 2013 at 1:03 pm

    The reset for paypal is 31 days and on a rolling basis.

    • March 12, 2013 at 2:22 pm

      Thanks for the input! Good to know.

  10. ben
    May 1, 2013 at 8:03 pm

    Rom, can you please elaborate on the part about using Paypal to pay for a store credit card? Can we use Paypal to pay for any other credit card bills?

    Also, after loading my Paypal account with My Cash Card, will there be any problems if I were to the money to another person’s bank account and not my own bank account?


    • May 1, 2013 at 10:09 pm

      It only works for Macy’s or kohls charge cards. I just ask to pay my bill for those stores with paypal debit card. It wouldn’t work for like Amex or chase cc.

      I would be wary about transferring money in PayPal. I say a little is okay..

  11. aa
    May 14, 2013 at 8:34 pm

    Can we set a pin with this card?
    Can we use this card to pay bills at Walmart?

    • May 15, 2013 at 6:13 am

      Yes you can. Bluebird is limited to 1k per day.

      • aa
        May 15, 2013 at 7:10 am

        no, i did not mean via bluebird.

        • May 15, 2013 at 10:26 am

          If you get the Paypal Debit Card, you can spend the funds anywhere. However, you miss out on points you would have earned using another card. Thus, cash back or money orders or bluebird is the best way.

          • aa
            May 15, 2013 at 11:20 am

            so i am now clueless. how do you earn points using other cards?
            BB for instance will earn some 1~5% cashback or points depending on what card you use to buy the beans at cvs. I’m expecting a similar cash/points while buying a paypal debit card online / in-store.

            Am I missing something here?

          • May 15, 2013 at 11:35 am

            With Bluebird you could pay bills and write checks. With Paypal Debit card, theres no billpay option. Harder to liquidate the balance.

          • aa
            May 15, 2013 at 1:47 pm

            if paypal cards have a pin, we could use Walmart billpay service ($1.5) to make payments. does the paypal card have a pin associated with it?

          • May 15, 2013 at 2:25 pm

            Yes and yes. You might be overpaying per point at that situation. But might make sense to do so

  12. Gabriel
    November 4, 2013 at 3:49 pm

    Why not just forgo the debit card? Load the My Cash card to your PayPal account, send the money to a relative/trusted friend (a la Amazon Payments) and have them cut you a check. Any risk there?

    • November 4, 2013 at 4:09 pm

      Some risk in PayPal shutting you down. Depends on your risk tolerance. I’m not too risky!

  13. Megan
    January 28, 2014 at 2:46 pm

    A lot of ppl are saying that this card is a scam and it doesn’t work for them I tried putting it in to my account before and I had to send all kind of personal information did that happen to u

    • January 28, 2014 at 3:45 pm

      I’ve had no problems with it. Loading to my PayPal just fine.

      • EY
        February 14, 2014 at 10:51 am

        Bought Paypal Cash Reload at CVS with Citi Dividend (5%) the other day, loaded it into PayPal account instantly. It did not ask for any personal information, but then again my PayPal account has been open for a long time and I’ve pretty much done all the confirmations possible on it in the past. Transferred $100 via Paypal Debit card to Bluebird (using the website, so that was done at home/instant too), and am using the rest within PayPal to buy things on ebay, pay back friends when we go out to eat, etc. In the Bay Area, everyone uses PayPal and Venmo. 🙂

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  15. Jennifer
    October 8, 2014 at 10:41 am

    What are the current limits on loading to Bluebird? I am currently buying pay pal cards using credit card and then loading them onto my bluebird account online. However, I recently saw there’s a limit of $1000 a month to load from your debit card? Is that correct? Thanks!

    • October 10, 2014 at 6:18 pm

      Yes for online loads but at Walmart it’s 2500

  16. Jake
    October 12, 2014 at 11:09 pm

    Few questions for you.
    How safe is loading BB & buying MO with PPBDC? How often do you do these? Also the max I got cash back at walmart was $100 with it..

  17. Swag
    October 13, 2014 at 12:11 pm

    WM money order $1000 with OV didn’t work for me today. I used last digits as pin & told pay $.70 with cash. What am I doing wrong? Appreciate your help..

    • October 13, 2014 at 2:05 pm

      Try $500 at a time? They might not be allowing them with prepaid cards anymore

  18. Swag
    October 13, 2014 at 8:25 pm

    Cashier said hit cancel after sliding OV & select debit n pin. Didn’t work. Is this the norm? With PPDBC it directly ask pin after sliding it, that’s it works.. I’ll try again with $499.30

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