PayPal Cashback Mastercard
A no-annual-fee flat-rate cash back card (issued by Synchrony) that earns elevated cash back when you check out with PayPal and a solid flat rate everywhere else.
Why it ranks
- No annual fee
- Strong PayPal earn rate
- Easy redemption to PayPal balance
What holds it back
- Top rate requires PayPal checkout
- High potential APR
- Rewards routed through PayPal
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee flat-rate cash back card (issued by Synchrony) that earns elevated cash back when you check out with PayPal and a solid flat rate everywhere else.
PayPal Cashback Mastercard at a glance
| Issuer | Synchrony |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Cash back bonus after meeting the minimum spend for new cardholders |
| Rewards rate | 3% cash back on purchases made through PayPal, 1.5% cash back on all other purchases |
| Intro APR | None |
| Regular APR | 20.24%–32.24% variable |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Best for | Heavy PayPal users wanting simple cash back |
| Airport lounge access | No |
Rewards & benefits
- 3% on PayPal checkout
- Cash back deposited straight to your PayPal balance
- No foreign transaction fee
Eligibility & who it suits
- A PayPal account
- Good credit score
- Sufficient income to support the line
How to apply
Check current rates on Synchrony’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SSynchronyPayPal Cashback MastercardNo annual fee · US PayPal Cashback MastercardHeavy PayPal users wanting simple cash back |
None | 3% cash back on purchases made through PayPal, 1.5% cash back on all other purch… | Cash back bonus after meeting the minimum spend for new card… | None | Good (690+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.