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⚖ Add to comparisonSynchrony · Mastercard
PayPal Cashback Mastercard
The pitch is 3% back any time you check out with PayPal and 1.5% on everything else, no annual fee. If half your online spending already routes through PayPal, that 3% tops most flat-rate cards; if it doesn't, the 1.5% base trails 2% cards like Citi Double Cash, so this is a two-rate card pretending to be simple. Spend $500/month via PayPal and $500 elsewhere and you net about $270/yr; route it all through a flat 2% card and you'd get $240, so the edge is real but narrow. The regular APR runs roughly 20%-32% variable as of 2026, so don't carry a balance here, and confirm current terms on Synchrony's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓3% returned when you check out using PayPal
- ✓Cash back lands directly in your PayPal balance
- ✓Charges no foreign transaction fee
👍 Pros
- + Carries no annual fee
- + High earn rate on PayPal spending
- + Simple redemption into your PayPal balance
👎 Cons
- – The best rate only applies at PayPal checkout
- – The APR can run high
- – Rewards flow through PayPal
Can you get it?
- ▸An active PayPal account
- ▸A credit score in the good range
- ▸Income adequate to back the credit line
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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