PayPal Cashback Mastercard

PayPal Cashback Mastercard

in Personal Credit Cards from PayPal Inc


PayPal Cashback Mastercard


in Personal Credit Cards from PayPal Inc

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Annual Fee $0
Purchase APR  (Variable APR) 22.24% - 29.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 720 - 850

PayPal Cashback Mastercard Review

PayPal Cashback Mastercard is a cashback credit card issued by PayPal Inc. 

This card is designed for people with good credit. The minimum credit score to apply is 720. If you're wondering whether PayPal Cashback Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of PayPal Cashback Mastercard
Pros Cons
  • Earn 2% cash back* every day, every time you make a purchase with your card. No exceptions. No rotating categories to keep track of.
  • Redeem Cash Rewards right to your PayPal balance and use them however you want. No redemption threshold.
  • Use your PayPal Cashback Mastercard to shop everywhere Mastercard is accepted. No purchase restrictions.
  • No annual or foreign transaction fee.**
  • You need excellent credit to qualify.
  • Interest rates are above average.
  • No signup bonus.
  • Is there a PayPal Cashback Mastercard cash back or rewards program?

    PayPal Cashback Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With PayPal Cashback Mastercard you receive 2% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.

    PayPal Cashback Mastercard Rewards
    Rewards rate (all purchases) 2%
    Max rewards rate 2%
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the PayPal Cashback Mastercard benefits?

    PayPal Cashback Mastercard provides the following benefits:

    • Extended Warranty Protection
    • Price Protection
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for PayPal Cashback Mastercard?

    PayPal Cashback Mastercard has a variable purchase APR that ranges from 22.24% up to 29.24%.

    It also has a variable cash advance APR of 29.24% .

    Does PayPal Cashback Mastercard have an introductory APR offer?

    PayPal Cashback Mastercard does not offer an introductory rate on new purchases.
    PayPal Cashback Mastercard Rates & Terms
    Purchase APR 22.24% - 29.24%
    Cash Advance APR 29.24%

    What are the PayPal Cashback Mastercard fees?

    The following fees apply to PayPal Cashback Mastercard:

    PayPal Cashback Mastercard Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 0%
    Late Payment Fee up to $38

    Does PayPal Cashback Mastercard have a foreign transaction fee?

    PayPal Cashback Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does PayPal Cashback Mastercard report your account activity to credit bureaus?

    PayPal Cashback Mastercard reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for PayPal Cashback Mastercard

    • Visit the PayPal Inc website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.
    PAYPAL CASHBACK MASTERCARD Disclosure: *Purchases subject to credit approval. See Rewards Program Terms for details. To earn Cash Rewards, you must have an open PayPal Account in good standing to which your Card Account is linked. If your PayPal Account is closed for any reason, or if your Card Account is no longer linked to your PayPal Account, your Card Account will be closed and any Cash Rewards earned, but not redeemed, will be forfeited. • **See Rates and Fees for details. • ^Important information on redeeming Cash Rewards to your PayPal balance: You need to have a PayPal Cash or PayPal Cash Plus account to have a balance. If you do not have one of those accounts, you can only transfer your Cash Rewards to your bank account or debit card linked to your PayPal account. • The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
    SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


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    Turn your everyday purchases into 2% cash back* with the PayPal Cashback Mastercard®

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      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Annual Fee $0
    Paper Statement Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Minimum Interest Charge $1.50
    Late Fee Amount Up to $38
    Cash Advance Fee (%) 3%
    Cash Advance Fee Minimum $5
    Minimum Age 18
    Credit Score Range 720 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Customer Type Personal
    Credit Card Benefits
    • Extended Warranty Protection
    • Identity Theft Protection
    • Price Protection
    Rewards Categories
    • Every Purchase
    Bonus Rewards 2x
    Every Purchase 2x
    No Reward Expiration Period  
    Purchase APR (Variable APR) 22.24% - 29.24%
    Cash Advance APR (Variable APR) 29.24%

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