PayPal Cashback Mastercard®
175 Reviews
Rewards rate
1.5% - 3%
Cash back
Annual fee
$0
Additional rates and fees
Annual fee
$0
Intro purchase APR
N/A
Regular purchase APR
18.99%, 30.74%, or 33.74%* Variable¹
Intro balance transfer APR
N/A
Regular balance transfer APR
N/A
Cash advance APR
33.74%* Variable
Cash advance fee
Either $10.00 or 5% of the amount of each cash advance, whichever is greater.
Late fee
Up to $40.00
Penalty APR
34.74%* Variable
Balance transfer fee
N/A
Foreign transaction fee
3%
Return payment fee
Up to $41.00
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Apply with no impact to your credit score if you're declined.²
- Earn 3% cash back³ on online PayPal purchases and 1.5% on all other purchases. Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment.
- With the PayPal Cashback Mastercard®, earn unlimited cash back at millions of merchants. No rotating categories. No annual fee.⁴
- Shop at millions of brands with PayPal to earn unlimited 3% cash back on online PayPal purchases.
- Earn rewards without the wait. Cash back is earned daily on completed purchases posted to your account. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
- Enjoy peace of mind with Mastercard benefits from Tap & Go® to 24/7 Identity Theft Protection™.⁵
- The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
¹The APRs are accurate as of 9/1/2025.
²Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. An approved PayPal Cashback Mastercard application will result in a hard credit inquiry, which may impact your credit score.
³See Rewards Program Terms for details and eligibility criteria.
⁴See Terms and Rates for New Accounts.
⁵The benefits and services as further described in the Mastercard Guide to Benefits are provided solely by Mastercard International Incorporated. PayPal and Synchrony Bank do not endorse, recommend, warrant, or take responsibility for these offer benefits.