PayPal Cashback Mastercard
in Personal Credit Cards from PayPal Inc
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| Community Rating |
Rating not yet determined |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 720 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 22.24% - 29.24% |
PayPal Cashback Mastercard Review
PayPal Cashback Mastercard is a cashback credit card issued by PayPal Inc. 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.
Key takeaways:
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 22.24% up to 29.24%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Good or better credit required. You should probably try with another card if your credit score is below 720.
PayPal Cashback Mastercard Pros and Cons:
| The Good | The Bad |
|---|---|
|
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Is there a PayPal Cashback Mastercard cash back or rewards program?
No, PayPal Cashback Mastercard does not offer a 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.
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?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. PayPal Cashback Mastercard has higher than average purchase APRs.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 on balance transfers?
No, PayPal Cashback Mastercard does not come with an introductory APR offer for balance transfers.Does PayPal Cashback Mastercard have an introductory APR offer on new purchases?
PayPal Cashback Mastercard does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for PayPal Cashback Mastercard?
The following fees apply to PayPal Cashback Mastercard:
| 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 Cashback Mastercard website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- 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.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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. View PayPal Cashback Mastercard's published terms & conditions.
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San Jose, CA 95131 - (402) 935-2050
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Availability
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
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| Annual Fee | $0 |
| Paper Statement Fee | $0 |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 3% |
| Minimum Interest Charge | $1.50 |
| Late Fee Amount | Up to $38 |
PayPal Cashback Mastercard Community Reviews
Other Personal Credit Cards
PayPal Inc Personal Credit Cards
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
22.24% - 29.24%
(Variable APR)
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