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PayPal Cashback Mastercard
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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PayPal Cashback Mastercard
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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Card Details
Card Snapshot
Welcome Bonus & Info
Earn 3% when you pay with PayPal and 1.5% everywhere else Mastercard is accepted.
Get rewarded as soon as your purchases post to the credit card account, and accelerate earnings by adding up to 6 authorized users to your account.
Combine merchant cash-back offers with cash back you earn with your card.
With the Mastercard ID Theft Protection™ benefit, you will be alerted to possible identity theft.
Easily redeem the cash rewards you earn to PayPal anytime, anywhere with the PayPal app and PayPal.com.
No annual fee.
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1094+ Expert Credit Card Guides
Great Card If
You already have a PayPal account.
You frequently check out with PayPal.
You’re looking for a cash-back card with a straightforward earning structure.
Don’t Get If
You have other cards where you want to combine your rewards.
You’re looking for a card with a 0% intro APR offer.
You don’t have a PayPal account and don’t want to open one.
PayPal Cashback Mastercard — Is It Worth It?
The PayPal Cashback Mastercard is a cash-back card issued by Synchrony Bank under license from Mastercard and co-branded with PayPal. The PayPal Cashback card offers 3% cash-back when you pay with PayPal and 1.5% cash-back on all other eligible purchases. If you’re looking for a cash-back card with a simple earning structure and easy-to-use rewards, consider the PayPal Cashback card. Best of all, the PayPal Cashback card comes with a $0 annual fee.
Because you earn the most rewards when you check out with PayPal, the PayPal Cashback card can be especially worth it for consumers who frequently use PayPal when checking out. If you aren’t a frequent PayPal user, you may be able to find a different cash-back card that offers more than a 1.5% rewards rate. Keep in mind that you need to have an active PayPal account to apply for and be approved for the PayPal Cashback card.
Hot Tip:
If you want to apply for the PayPal Cashback card, you need an active PayPal account. You can use an existing account or sign up for a new one.
What Benefits Do You Get With the PayPal Cashback Card?
The PayPal Cashback card is simple and straightforward, so most of its benefits are related to its cash-back rewards program. One benefit that sets the PayPal Cashback card apart from other cash-back cards is that there is no minimum redemption amount. You can redeem your rewards at any time and in any amount.
Who Is the PayPal Cashback Card For?
Many cash-back cards have complicated earning or redemption structures or require you to keep track of multiple rotating bonus categories if you want to maximize your cash-back earnings. If you want a cash-back card that offers rewards that are easy to understand, the PayPal Cashback card may be a good fit for you.
Image Credit: PayPal
Best Ways To Earn and Redeem With the PayPal Cashback Card
One of the best things about the PayPal Cashback card is that it has a simple and straightforward structure for earning and redeeming rewards. You earn 3% cash-back on all purchases where you pay with PayPal and 1.5% on all other eligible purchases.
Redemptions with the PayPal Cashback card are also straightforward. You can redeem your rewards at any time through your online account. While some rewards credit cards require you to earn a minimum amount of rewards before redeeming, that’s not the case with the PayPal Cashback card. You can redeem your rewards at any time for any amount.
Hot Tip:
Earning 3% on purchases where you check out with PayPal is a great rewards rate, but if you don’t frequently use PayPal, you may find a higher rewards rate with other cards.
Alternative Cards to the PayPal Cashback Card
If you’re interested in some of the features and benefits of the PayPal Cashback card but are curious to see how it stacks up to similar cards, you can check out these other offerings:
The Chase Freedom Unlimited card is another card that comes with a $0 annual fee and 1.5% cash-back on all purchases. With the Freedom Unlimited card, you also earn 5% back on travel purchased through Chase Travel and 3% back on dining and drugstore purchases. Another difference between these 2 cards is that you don’t have to have a PayPal account to have the Chase Freedom Unlimited card.
If you have a significant amount of dining, drugstore, or travel expenses or if you already have additional Chase credit cards, then the Freedom Unlimited card may be great for you.
The Citi Double Cash card is another cash-back card with a $0 annual fee. The Citi Double Cash card earns 2% cash-back on every purchase, with unlimited 1% cash-back when you buy and an additional 1% as you pay for those purchases. The Citi Double Cash card also offers 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 18.49% to 28.49%.
Even better, the cash-back you earn with the Citi Double Cash card comes in the form of ThankYou Points. So if you also have a premium ThankYou Rewards card like the Citi Strata Premier℠ Card or the Citi Prestige® Card, you can combine your rewards and transfer the points earned from your Citi Double Cash card to the full list of Citi transfer partners. This can be a great way to maximize your Citi Double Cash card.
The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.
