Author makes a bullish PayPal case, arguing its debit card offering 5% back in one category (up to ~$600/year free) shows the company is not dead and that PYPL is held by SPY and QQQ.
PYPL — LONG The author argues the claim that PayPal is dead is wrong because its debit card gives users 5% back in one category, worth roughly $600 a year in free cash, and the general public on the Credit Cards subreddit praises it. This consumer value proposition is the basis for a bullish view on the company. The author also notes PYPL is held by SPY and QQQ, implying broad index exposure, but states no specific catalyst, target or risk.
PayPal's debit card is essentially $600 a year in free cash. They give you 5% back in one category. So as long as you have $1,000 in expenses in one category, you essentially can get $600 a year free.
This Reddit post, published February 15, 2026, features u/Pristine_Arm8260 discussing PYPL. 1 trade idea extracted by AI with direction and confidence scoring.
Speakers: u/Pristine_Arm8260 · Tickers: PYPL