MastercardPayPal Cashback Mastercard
3% on everything you check out with PayPal, which is most of the internet.
Welcome Bonus
None
No standing welcome offer, watch for periodic $50 promos
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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
- ✦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.
Rate this card
Be the first to rate it
Commentson PayPal Cashback
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.