PayPal Cashback Mastercard®

Highlights

Earn 3% cash back on PayPal purchases and 1.5% everywhere else Mastercard is accepted. Purchases are subject to credit approval, and the PayPal Cashback Mastercard® must be used for payment. See Rewards Program Terms for details and eligibility criteria.

With the PayPal Cashback Mastercard, earn unlimited cash back at millions of merchants.

No restrictions. No rotating categories. No annual fee¹.

Shop at millions of brands with PayPal to earn unlimited 3% cash back.

Earn rewards without the wait. Cash back is earned daily on completed purchases posted to your account. Redeem it to your PayPal balance, and spend it however you want. 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™.

Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.

¹See Terms and Rates for New Accounts

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

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.

Specifications

Intro (Purchases)	n/a
Intro (Transfers)	n/a
Regular APR	19.24%, 30.99%, or 33.99% Variable, rates as of 3/1/25
Annual Fee	$0.00
Credit Recommended	Fair - Excellent
Rewards Rate	Earn 3% cash back on PayPal purchases and 1.5% everywhere else Mastercard is accepted
Cash Advance APR	n/a
Cash Advance Fee	n/a
Cash Grace Period	n/a
Late Payment Fee	n/a
Overlimit Fee	n/a
Return Check Fee	n/a
Foreign Trans Fee	n/a
Balance Transfer Fee	See Terms

When it comes to managing your money, both prepaid cards and debit cards offer convenient ways to make purchases and access cash. However, they are not the same. Each card…

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