PayPal Cashback Mastercard Review
Synchrony · People who want simple 2% back everywhere with PayPal perks
4.2 / 5 (1234 reviews)
Annual Fee
No annual fee
Rewards
3% on PayPal purchases, 2% on everything else
Regular APR
20.49% – 29.49%
Credit Needed
Good (670-749)
Our Expert Verdict
7/10
Editor's Score
A strong flat-rate card with a twist: 2% cash back on everything with no caps or categories to track, plus 3% when you use PayPal checkout online. No annual fee and no foreign transaction fees make it a clean competitor to the Citi Double Cash.
Pros
- 2% on everything, no caps
- 3% with PayPal
- No annual fee
- No FTF
- Simple to use
Cons
- No sign-up bonus
- Issued by Synchrony
- Must manage via PayPal app
- No travel perks
Key Benefits & Perks
2% unlimited cash back everywhere
3% when paying with PayPal
No annual fee
No foreign transaction fees
No caps or category restrictions
Rewards Breakdown
| Category | Rate |
|---|---|
| PayPal Purchases | 3% |
| Everything else | 2% |
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Customer Reviews
4.2
1,234 reviews
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