PayPal Cashback Mastercard
By Alex Compton · Last verified
3% on everything you check out with PayPal, which is most of the internet.
Welcome Bonus
None
No welcome offer shown on the product page
Spend Requirement
None
Annual Fee
$0
No FTF
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 |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer shown on the product page | PayPal Cashback Mastercard product page → |
| 2026-06 | $0 | No recorded spend | Offer ended: $50 → $0 · Window: 3 months → 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 months → 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 ledger- confirmed
3% PayPal checkout, 1.5% elsewhere, $0 fee, no welcome offer confirmed
Fields: benefits
PayPal Cashback Mastercard product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xPayPal checkout purchases
- 1.5xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cash back lands in your PayPal balance, redeemable in any amount
- ✦No foreign transaction fees
- ✦Up to 6 authorized users can add to your earnings
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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