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.
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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
Totally agree...Had fraud with my Lowe's card and getting it resolved took way too much time.
I don't sign up for cards unless they have welcome bonuses.
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- 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.
i am 100% with you horrible service
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.
Agree, Synchrony will axe you if you "take advantage" of them by not carrying a balance and earning more than you spend
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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.