What country are you in? How do you fund your PayPal account?
If you don’t want a credit card because you don’t want debt, what you likely want is a debit card. Most banks issue it for free.
If you are in the UK, make sure to tell your bank to set your overdraft to zero.
If you are in the US, keep in mind that you are not building credit by choosing to never use a credit card (and yes I think it is stupid as well). I know there are zero-fee credit cards that can act as debit cards, I can find some recommendation if you like.
In the US, Privacy.com is also a cool issuer of virtual cards which may have features you are interested in.
If for some reason you don’t want a debit card either because you hate physical cards or something, know that Google Pay and Apple Pay also issue virtual cards on your behalf, and in some countries don’t need a card as payment method.
If you don’t want a credit card because you don’t want debt, what you likely want is a debit card. Most banks issue it for free.
If you are in the UK, make sure to tell your bank to set your overdraft to zero.
If you are in the US, keep in mind that you are not building credit by choosing to never use a credit card (and yes I think it is stupid as well). I know there are zero-fee credit cards that can act as debit cards, I can find some recommendation if you like.
In the US, Privacy.com is also a cool issuer of virtual cards which may have features you are interested in.
If for some reason you don’t want a debit card either because you hate physical cards or something, know that Google Pay and Apple Pay also issue virtual cards on your behalf, and in some countries don’t need a card as payment method.
PS: All money is debt :)