Cash Back card · Synchrony
PayPal Cashback Mastercard
PayPal Cashback Mastercard is the no-fee cash back card: 3% back on PayPal purchases and 2% back on everything else, as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Synchrony |
|---|---|
| Network | Mastercard |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 3% cash back on purchases made with PayPal, and 2% cash back on everything else. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
3% cash back on purchases made with PayPal, and 2% cash back on everything else.
Who it is built for
Built for people who pay with PayPal and want cash back on every purchase.
Current details — visit the official PayPal Cashback Mastercard page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Synchrony
Other cards from the same issuer in this library.
- Amazon Store Card · Retail · No annual fee (as of 2026)
- Dick's ScoreCard · Retail · No annual fee (as of 2026)
- Lowe's Advantage Card · Retail · No annual fee (as of 2026)
- PayPal Extras Mastercard · Cash Back · No annual fee (as of 2026)
- Sam's Club Mastercard · Retail · No annual fee (as of 2026)
- TJX Rewards Card · Retail · No annual fee (as of 2026)
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the PayPal Cashback Mastercard?
PayPal Cashback Mastercard is the no-fee cash back card: 3% back on PayPal purchases and 2% back on everything else, as of 2026.
Does the PayPal Cashback Mastercard have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the PayPal Cashback Mastercard earn?
3% cash back on purchases made with PayPal, and 2% cash back on everything else.
Who issues the PayPal Cashback Mastercard?
The PayPal Cashback Mastercard is issued by Synchrony and runs on the Mastercard network.
Sources
- https://www.paypal.com/us/digital-wallet/credit-services/paypal-cashback-mastercard — PayPal's card page
- https://www.synchrony.com/ — Issuer's site
Page last updated 14 November 2026.