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Check your PayPal accounts for a targeted rewards offer on rideshares. If you have it, there’s a potential stacking opportunity, but you need to act fast.

Here is the breakdown of the offer and a few fresh Data Points (DPs) on how the merchant coding is tracking.

The Deal: 20% in PayPal Points

• The Offer: Earn 20 points per $1 spent on your next rideshare trip when checking out with PayPal.
  • Must save it to your PayPal account under “Rewards”.
• The Limit: Up to 2,000 points; convertible to $20 (maxing out at $100 spend).
• Expiration: July 29, 2026, at 11:59 PM (best not to push it until the last minute).

Data Points: What Works & What Doesn’t

Merchant coding through a third-party processor like PayPal can always be a bit tricky. Here is what we know so far:

• ❌ Uber Balance Reloads (Fail): Trying to trigger the offer by reloading your Uber Cash balance does not work. PayPal is currently coding the reload as a gift card transaction rather than a rideshare purchase.
• ✅ Lyft Balance Reloads (Success): Lyft Balance Reloads with PayPal tracks perfectly. The points post to your PayPal rewards dashboard almost instantly.

Note: Using cards directly usually codes as rideshare for Uber gift cards. Because PayPal acts as a middleman, it often alters merchant coding along the way, as with Uber Cash. However, we’ve seen PayPal coding act in our favor before (e.g., Gopuff via PayPal coding for 3x online grocery on the Sapphire Preferred, which fails when using the card directly).

The Potential Stack: 10% Chase Offer (Expires June 30!)

If you want to maximize this, check your Chase accounts for the 10% cash back on Lyft offer ($10 max cash back). This offer expires tomorrow, June 30, 2026.

How to attempt the stack:

1. Add the 10% Lyft offer to your preferred Chase card.
2. Go into your PayPal settings under “Linked Businesses” and ensure that the targeted Chase card is set as your payment method for Lyft.

Will it stack?

The Chase terms explicitly state that the offer is not valid for purchases made via third-party payment accounts. Plus, given that the Chase offer expires so soon, it might not stack, but it is absolutely worth a try!

Some Users are also seeing a bonus from Lyft for adding a reload, which only sweetens an already sweet deal.

Don’t forget to add another $100 Lyft reload for $80 here before it expires as well