Slickdeals is community-supported.  We may get paid by brands or deals, including promoted items.
Sorry, this deal has expired. Get notified of deals like this in the future. Add Deal Alert for this Item
Popular

PayPal Cashback Mastercard® - Earn Unlimited 3% cash back when you check out with PayPal* Plus, get 2% cash back on all other eligible purchases

+11 Deal Score
19,626 Views
https://www.paypal.com/credit-app...lsrc=aw.ds

Earn 3% cash back when you check out with PayPal*
Plus, get 2% cash back on all other eligible purchases
No limit to the cash you can earn, no annual fee**
Plus, there's no impact to your credit bureau score if you're not approved.‡‡‡

‡‡‡Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. An approved PayPal Cashback Mastercard application will result in a hard credit inquiry, which may impact your credit bureau score.
*Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and restrictions.
**See Terms & Rates for New Accounts.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Good Deal?
If you take advantage of an offer on our site, Slickdeals may receive a commission.
Deal
Score
+11
19,626 Views

Your comment cannot be blank.

Sign up for a Slickdeals account to remove this ad.

Joined Nov 2019
L4: Apprentice
> bubble2 409 Posts
148 Reputation
Knockknock13
12-05-2022 at 05:40 AM.
12-05-2022 at 05:40 AM.
Quote from geforce1 :
Is that 3% cb forever, or only for the first yr?

3% is actually until you reach your cb upto $600, in their terms its 60000 points.
for any transaction it applies 3% like even apartment rental payment school fees watever
same 2% goes to any transaction
they have option to redeem the cb to buy stocks or crypto
usually i put in stocks always
1
Like
Funny
>
Helpful
Not helpful
Reply
Joined Feb 2005
L8: Grand Teacher
> bubble2 4,603 Posts
709 Reputation
BigCTM
12-05-2022 at 05:55 AM.
12-05-2022 at 05:55 AM.
Quote from desynergy :
"The PayPal Cashback Mastercard is issued by Synchrony Bank..." hard pass. Horrible customer service and fraud claims are the worst hassle I have ever seen with any other credit card company.

Totally agree...Had fraud with my Lowe's card and getting it resolved took way too much time.
2
Like
Funny
>
Helpful
Not helpful
Reply
Joined Dec 2019
L2: Beginner
> bubble2 51 Posts
14 Reputation
BoastfulPen4692
12-05-2022 at 07:39 AM.
12-05-2022 at 07:39 AM.
Quote from sdc186 :
Can this be used for rent payments and eligible for 3%?
Quote from OxnardMotors :
If the portal is paid via PayPal I don't see why not
I paid my Progressive Insurance bill via Paypal and got the 3%.
Like
Funny
>
Helpful
Not helpful
Reply
Last edited by BoastfulPen4692 December 5, 2022 at 07:43 AM.
Joined Dec 2019
L2: Beginner
> bubble2 51 Posts
14 Reputation
BoastfulPen4692
12-05-2022 at 07:42 AM.
12-05-2022 at 07:42 AM.
Quote from desynergy :
"The PayPal Cashback Mastercard is issued by Synchrony Bank..." hard pass. Horrible customer service and fraud claims are the worst hassle I have ever seen with any other credit card company.
So the thing I've noticed about this card is that everything is done through your PayPal account. If I hadn't read about which bank was actually backing the credit card, I would never have known. Now I have to think twice about it...
Like
Funny
>
Helpful
Not helpful
Reply
Joined Jul 2005
L5: Journeyman
> bubble2 923 Posts
356 Reputation
stuff4dave
12-05-2022 at 08:32 AM.
12-05-2022 at 08:32 AM.
It's somewhat attractive if you spend a lot on Paypal. But just considering my own situation, I'm already getting 2% from Citi double cash and then 5% from Chase and discover during their Paypal quarters. With the extra concerns about synchrony bank, I'd say this is a pass for me.
3
Like
Funny
>
Helpful
Not helpful
Reply
Joined Dec 2014
L2: Beginner
> bubble2 43 Posts
18 Reputation
vladiny
12-05-2022 at 08:43 AM.
12-05-2022 at 08:43 AM.
I have had this PayPal MasterCard for a while now. Got it when they were offering $200, when you spend $500. I am not a fan at all of their customer service, it is a horrible experience. Other than that I do like to use PayPal to pay for my utility bills using the PayPal MasterCard. It's the only credit card I know to give 3% Cashback on utility bills when paying through PayPal Bills. I pay Electric, Gas, Water/Sewer, Internet, and cell phone.
2
Like
Funny
>
Helpful
Not helpful
Reply
Last edited by vladiny December 7, 2022 at 06:34 PM.
Joined Oct 2004
L7: Teacher
> bubble2 2,114 Posts
242 Reputation
jeffsnyder
12-05-2022 at 08:49 AM.
12-05-2022 at 08:49 AM.
Quote from MozVolta :
If I'm not mistaken a couple of weeks back it had a "spend $500 get $200" welcome bonus, which doesn't look to be there anymore. Wonder if I should wait for the offer to come back...
Good on you for pointing the welcome bonus. I posted a $150 bonus for spending $500 on this card in 90 days and get one TU. This post has no bonus and somehow has 10 TU. I wonder if there's some funky stuff going on behind the scenes.

I don't sign up for cards unless they have welcome bonuses.
3
1
Like
Funny
>
Helpful
Not helpful
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Nov 2015
L6: Expert
> bubble2 1,393 Posts
98 Reputation
Doug5421
12-05-2022 at 09:23 AM.
12-05-2022 at 09:23 AM.
Love this card. Cash back is instant. Only small gripe is that the card itself is flimsy, lol.
Like
Funny
>
Helpful
Not helpful
Reply
Joined Dec 2018
L2: Beginner
> bubble2 55 Posts
33 Reputation
freedomisfree
12-05-2022 at 01:19 PM.
12-05-2022 at 01:19 PM.
Synchrony is, unfortunately, terrible. Some notes on this card:

- very stingy with credit limit. I had 750+ credit score and got $3500 initially.
- also stingy with credit limit increases. My first request was denied via a letter in the mail. Then they sent me another letter three weeks later increasing my limit anyways. WTF?
- first six months were a huge pain with payments sometimes taking up to 2 weeks to apply to the credit limit for 'security' and 'verification' reasons. WTFx2.
- no extended warranty.
- 3% foreign transaction fee. This used to be 0%, but was introduced around the same time that PayPal cash back was increased from 2 to 3%.
- the online portal was reorganized a few months ago to integrate better with the PayPal site. This has actually made the card's site worse. Everything you buy through PayPal using this card (which is, like, the whole damn point of it) now shows up as PAYPAL PURCHASE with no further details. If you click on Details, it says Payment from PayPal Cashback World Mastercard. So unless you download the statements, you have no idea what PayPal purchases were for - you have to go back to the PayPal website for that.
- every year they have extra cash back for the holidays. Right now it's 4% CB on all purchases until Dec 20, up to a $50 limit. I think this is total CB, not just the bonus on top of the usual 3% PP/2% everything else. Not sure if these terms vary or if it's targeted.
- not sure about disputes. I just lodged one with PayPal. I'm not sure if you can choose to dispute PP purchases made with this card through Synchrony, but you can only do so by phone.
3
Like
Funny
>
Helpful
Not helpful
Reply
Joined Nov 2019
L4: Apprentice
> bubble2 409 Posts
148 Reputation
Knockknock13
12-05-2022 at 02:58 PM.
12-05-2022 at 02:58 PM.
Quote from desynergy :
"The PayPal Cashback Mastercard is issued by Synchrony Bank..." hard pass. Horrible customer service and fraud claims are the worst hassle I have ever seen with any other credit card company.

i am 100% with you horrible service
2
Like
Funny
>
Helpful
Not helpful
Reply
Joined Oct 2017
L6: Expert
> bubble2 1,820 Posts
553 Reputation
LostWallet
12-05-2022 at 07:24 PM.
12-05-2022 at 07:24 PM.
Quote from desi_munda :
Could you please let me know what card is that from Citizens Bank. Thanks.
It is a green "Cashback+" from Citizens offered in a mailing last May.

It does not pay back as much as the Wells Fargo Autograph, but it does cover the insurance for long rentals. Neither one has an annual fee.
Like
Funny
>
Helpful
Not helpful
Reply
Joined Jan 2011
L7: Teacher
> bubble2 2,824 Posts
683 Reputation
wsush
12-05-2022 at 07:30 PM.
12-05-2022 at 07:30 PM.
Quote from Knockknock13 :
i am 100% with you horrible service

Agree, Synchrony will axe you if you "take advantage" of them by not carrying a balance and earning more than you spend
Like
Funny
>
Helpful
Not helpful
Reply
Joined Feb 2011
L7: Teacher
> bubble2 2,653 Posts
613 Reputation
ArseneWenger
12-06-2022 at 05:53 AM.
12-06-2022 at 05:53 AM.
The paypal card used to have 0 international transaction fee and no annual fee but no more….
Like
Funny
>
Helpful
Not helpful
Reply
Joined Oct 2018
L10: Grand Master
> bubble2 6,460 Posts
1,207 Reputation
Wavy-Nife
12-06-2022 at 01:48 PM.
12-06-2022 at 01:48 PM.
What's the "deal" here? No signup bonus
Like
Funny
>
Helpful
Not helpful
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Jul 2013
L9: Master
> bubble2 4,556 Posts
1,938 Reputation
Pro
JJoye
12-06-2022 at 01:55 PM.
12-06-2022 at 01:55 PM.
Quote from Taddy_Mason :
What's the "deal" here? No signup bonus
I got a $100 bonus for spending $500 in the first 90 days, even though they never mentioned it when I signed up. YMMV

I think the deal is the 3% cashback on all purchases made through Paypal checkout, though. I haven't found a card that pays more than that without being limited to specific categories or merchants.
Like
Funny
>
Helpful
Not helpful
Reply
Last edited by JJoye December 6, 2022 at 01:58 PM.
Page 3 of 4
Start the Conversation
 
Link Copied

The link has been copied to the clipboard.