Mainstream

PayPal Cashback 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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