PayPal Cash Back Mastercard

PayPal Cash Back Mastercard

in Personal Credit Cards from PayPal Inc


PayPal Cash Back 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 Up to 850

PayPal Cash Back Mastercard Review

PayPal Cash Back Mastercard is a cashback credit card issued by PayPal Inc. 

If you're wondering whether PayPal Cash Back 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 Cash Back 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 Cash Back Mastercard cash back or rewards program?

    PayPal Cash Back Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With PayPal Cash Back 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 Cash Back Mastercard Rewards
    Rewards rate (all purchases) 2%
    Max rewards rate 2%
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus Spend Requirement $5000
    Signup Bonus Spend Period (months) 3 months

    What are the PayPal Cash Back Mastercard benefits?

    PayPal Cash Back 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 Cash Back Mastercard?

    PayPal Cash Back 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 Cash Back Mastercard have an introductory APR offer?

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

    What are the PayPal Cash Back Mastercard fees?

    No Annual Fee. PayPal Cash Back Mastercard does not charge an annual fee. No foreign transaction fee. PayPal Cash Back 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.

    The following fees apply to PayPal Cash Back Mastercard:

    PayPal Cash Back Mastercard Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 0%
    Late Payment Fee $27 - $38

    Does PayPal Cash Back Mastercard report your account activity to credit bureaus?

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

    • Equifax
    • Experian
    • Transunion

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    How to apply for PayPal Cash Back 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 CASH BACK MASTERCARD Disclosure: You must have a PayPal account in order to apply for a PayPal Cashback Mastercard account. Purchases subject to credit approval. See Rewards Program Terms for details and restrictions. To earn Cash Rewards, you must have an open account with PayPal in good standing to which your Card Account is linked. If your account with PayPal is closed for any reason, or if your Card Account is no longer linked to PayPal, your Card Account will be closed and any Cash Rewards earned, but not redeemed, will be forfeited. Important information on redeeeming 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 PayPal. For New Accounts: Variable Purchase APR is 22.24%, 26.24% or 29.24%. The APRs are accurate as of 1/1/2019 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $1.50 for all types of cards in any billing cycle in which you owe interest. Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. 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...


    Message from PayPal Inc

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

    Other Services by PayPal Inc


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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 $27 - $38
    Cash Advance Fee (%) 3%
    Cash Advance Fee Minimum $5
    Minimum Age 18
    Credit Score Range - 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
    Bonus Rewards 2x
    All Other Purchases 2x
    Every Purchase 2x
    No Reward Expiration Period  
    Rewards Categories
    • Every Purchase
    Purchase APR (Variable APR) 22.24% - 29.24%
    Cash Advance APR (Variable APR) 29.24%

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