PayPal Cashback Mastercard
By Alex Compton · Last verified
3% on everything you check out with PayPal, which is most of the internet.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Offer ended: $50 → $0 · Window: 3 → 0 monthsNo standing welcome offer, watch for periodic $50 promos | Archive record · no attached snapshot |
| 2026-03 | $50 | No recorded spend | Bonus increased: $0 → $50 · Window: 0 → 3 months$50 after first purchase, applications through 4/30/2026 | Archive record · no attached snapshot |
| 2024-01 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xPayPal checkout purchases
- 1.5xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Cash back lands in your PayPal balance, redeemable in any amount
- ✦No foreign transaction fees
- ✦Instant access in the PayPal wallet after approval
Why it earns its spot
- +3% uncapped on PayPal checkout beats every general online-shopping rate
- +1.5% floor everywhere else, so no dead spend
Where it costs you
- −Requires an active PayPal account
- −Synchrony is quick to slash limits or close idle accounts
- −Welcome offers are rare and small
The Compound Verdict
If you route online spending through PayPal checkout, this is a free 3% on a huge slice of e-commerce. The 1.5% base keeps it usable in the real world. Just know Synchrony manages accounts aggressively, so keep it active.
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