To get a PayPal Debit card which uses existing funds in your PayPal account, you must have a verified Premier or Business level account. Personal accounts do not qualify for the debit card. If you already have a Premier or Business PayPal account, go here to start the debit card request: PayPal Business Debit MasterCard – Earn 1% Cash Back – PayPal US

If you’re talking about a PayPal Extras Mastercard credit card, you can get one pending approval after a credit check, like with any other standard credit card. This one does not use your PayPal balance, there is an interest charge, and you will need to remember to pay the monthly bill. Apply here: PayPal Extras MasterCard – PayPal US

PayPal also has a PayPal Prepaid Mastercard that you can reload and use as you wish. It is not tied to your PayPal balance, must be preloaded before use, and there are associated fees. For more information, see: PayPal Prepaid MasterCard – The Reloadable Debit Card from PayPal