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You are here: Home / Credit Cards / PayPal Cashback Mastercard

PayPal Cashback Mastercard

June 28, 2022 by Gail Kellner

The PayPal Cashback Mastercard is a cash back card designed for anyone seeking decent cash back rewards and no annual fee. It offers 3% cash back on PayPal purchases and 2% cash back on everything else: no rotating categories, nothing to keep track of. However, you won’t get a welcome bonus or an 0% introductory APR, and it’s a little skimpy on other rewards.

PayPal Cashback Mastercard
Our Rating
4.9/5.0
Welcome Bonus
$100
Annual Fee
$0
0% on Purchases
None
Rewards Rate
2% to 3%
0% on Balance Transfers
None

Rewards

3% cash back
All eligible purchases
Earn 3% on Eligible Purchases you make using your Card Account through your PayPal account
2% cash back
On all other purchases
Earn 2% cash back on all other purchases

Signup Bonus

Earn $100 after spending $500 within your first 90 days of opening your account.

Pros & Cons

Pros
  • No annual fee
  • Up to 3% cash back
Cons
  • No welcome bonus
  • High APR
  • Foreign transaction fee
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Google Pay, Samsung Pay, PayPal
BenefitsPurchase Protection, 24/7 customer service
Travel PerksNone

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each transaction.
Regular APR15.24% to 27.24% (V) APR

What Credit Score is Required to Get the PayPal MC

Based on data we’ve collected from public forums such as myFICO and Reddit, a credit score of 750 or higher is ideal. Keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved06/07/2022
738
Equifax
$9,000
Approved06/07/2022
763
Experian
$9,000
Approved06/07/2022
778
TransUnion
$9,000
Approved06/11/2022
724
TransUnion
$30,000
Approved05/27/2022
740
TransUnion
$25,000

What are the best alternatives?

Citi® Double Cash Card
Citi® Double Cash Card

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Read Review
Synchrony Premier World Mastercard®
Synchrony Premier World Mastercard®

Rating

4.6

Rewards Range

2%

Annual Fee

$0

Read Review
Capital One Spark Cash Select - $500 Cash Bonus
Capital One Spark Cash Select - $500 Cash Bonus

Rating

4.7

Rewards Range

1.5% - 5%

Annual Fee

$0

Read Review

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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