SynchronyMainstream
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PayPal Cashback Mastercard

Mastercard

Synchrony・Mastercard・No.061

Turns your PayPal checkout into 3% cash back, with a solid 1.5% floor everywhere else.

✓ Verified · 2026-07-16
🎁 No fixed sign-up bonus

✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often. Always confirm the current offer on the issuer's site.

Reward highlights

Who it's for

Best for heavy PayPal shoppers who want a bonus on online checkouts.

Good for

Key benefits

Rates & fees

APR and fees are illustrative. Confirm current terms on the issuer's site.

Frequently asked questions

Is there an annual fee?

No, the PayPal Cashback Mastercard has no annual fee.

How do I earn the 3%?

You earn 3% when you pay with PayPal at checkout; all other purchases earn 1.5%.

What credit is required?

Good credit is typically expected, roughly a 670 score or higher.

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