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PayPal Cashback Mastercard®: Earn 3% Cash Back on PayPal Purchases

+37 Deal Score
62,151 Views
PayPal is offering 3% cash back on PayPal purchases and 2% on all other purchases with their PayPal Cashback Mastercard®. No Annual fee.(1)

Card Details:
  • Earn 3% cash back on PayPal purchases and 2% on all other purchases. Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and restrictions.
  • With the PayPal Cashback Mastercard®, earn unlimited cash back at millions of merchants.
  • No restrictions. No rotating categories. No annual fee. See Terms and Rates for New Accounts.
  • Shop at millions of brands with PayPal to earn unlimited 3% cash back.
  • Earn rewards without the wait. Cash back is earned daily on completed purchases posted to your account. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
  • Redeem it to your PayPal balance, and spend it however you want.
  • Enjoy peace of mind with Mastercard benefits from Tap & Go® to 24/7 Identity Theft Protection™. See Mastercard Guide to Benefits.
  • The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
(1)See Terms and Rates for New Accounts.

Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and restrictions.

Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.

The benefits and services as further described in the Mastercard Guide to Benefits are provided solely by Mastercard International Incorporated. PayPal and Synchrony Bank do not endorse, recommend, warrant or take responsibility for these offered benefits.
Applications are 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 and the circles design are registered trademarks of Mastercard International Incorporated.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
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Created 11-27-2023 at 09:51 AM by EfficientGame645
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Deal
Score
+37
62,151 Views
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

175 Comments

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Joined Jun 2008
L4: Apprentice
> bubble2 372 Posts
60 Reputation
darkhunter00
02-02-2024 at 12:34 PM.
02-02-2024 at 12:34 PM.
Quote from juca :
is there a limit for the 2/3% or you get that back no matter how much you spend?
That I don't remember. I'm not a real huge spender so not something I pay attention to sorry.
1
Reply
Joined Nov 2009
padawan
> bubble2 2,453 Posts
92 Reputation
dubmang
02-04-2024 at 11:26 AM.
02-04-2024 at 11:26 AM.
Quote from Thugnificent__ :
Anyone know if it is 3% on things purchased from people with goods and services and not from stores?

I just called and asked...
The rep said as long as I choose the MasterCard to pay, then it counts towards the 3%
Reply
Joined Sep 2006
L9: Master
> bubble2 5,126 Posts
742 Reputation
xpeng
02-12-2024 at 03:16 PM.
02-12-2024 at 03:16 PM.
in for 1
1
1
Reply
Joined Dec 2011
Love deals!!
> bubble2 505 Posts
31 Reputation
keep-them-coming
02-12-2024 at 05:18 PM.
02-12-2024 at 05:18 PM.
Quote from michaelelliott127 :
I love this card so much. I use PayPal to purchase almost everything I buy online which using this card gets you 3% back as well as 2% on everything else. The cash back goes straight towards my bill. Honestly my favorite card I use for 90% of my purchases. I have about 10 different store credit cards that get me 5% off every purchase at those specific stores (Amazon card for Amazon, Lowes card for Lowes, Academy for Academy), so any other purchase I'm at least getting 2-3% cashback minimum with this one. I use this card for my utility bills as well, might as well save money on what you have to pay for anyways. No annual fee. 10/10 Would highly recommend.

s o m o s?
2
Reply
Joined Aug 2005
L7: Teacher
> bubble2 2,782 Posts
701 Reputation
Pro
leecm
02-12-2024 at 05:38 PM.
02-12-2024 at 05:38 PM.
Amex Blue Cash Everyday gives you 3%cb on online purchases on up to $6k in purchases, annually.
2
Reply
Joined Mar 2013
L2: Beginner
> bubble2 42 Posts
22 Reputation
BenC2620
02-13-2024 at 05:49 AM.
02-13-2024 at 05:49 AM.
Quote from ChiliDawg78 :
Is it still possible to use PayPal for IN-STORE Wal-Mart purchases. Through Wal-Mart Pay or via register interface? TIA

Can use PayPal on raise app, card is available near instantly
Reply
Joined Dec 2005
L6: Expert
> bubble2 1,837 Posts
221 Reputation
FLTURD
02-13-2024 at 06:22 AM.
02-13-2024 at 06:22 AM.
Quote from mitchflorida :
This BofA card is better in every way, and gives 3 percent off on all online purchases, not just eBay. $200 sign up bonus too.

https://www.bankofamerica.com/cre...edit-card/ [bankofamerica.com]


Online shopping, including cable, internet, phone plans and streaming 3% cash back

Automatic 2% cash back at grocery stores and wholesale clubs
i looked into that card but the cap on the rewards is super low
Reply

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Joined Dec 2005
L6: Expert
> bubble2 1,837 Posts
221 Reputation
FLTURD
02-13-2024 at 06:27 AM.
02-13-2024 at 06:27 AM.
Quote from jerry79304 :
Need to fulfill some criteria for 5.25% with BofA, it depends on one's situation. Also it has limits of $2500 per quarter....but I have 4 BofA card so most of the time, no need to worry about maxing out hahaha.
Quote from jerry79304 :
Need to fulfill some criteria for 5.25% with BofA, it depends on one's situation. Also it has limits of $2500 per quarter....but I have 4 BofA card so most of the time, no need to worry about maxing out hahaha.
you have 4 in your name? or wife/kids?
Reply
Joined Nov 2011
L4: Apprentice
> bubble2 308 Posts
317 Reputation
jerry79304
02-13-2024 at 10:08 AM.
02-13-2024 at 10:08 AM.
Quote from FLTURD :
you have 4 in your name? or wife/kids?
Actually 5 under my name. BoA used to have different brands of Cash Rewards card, which counts as different cards; that's how I got them throughout the years. Looks like right now they only have two kinds, normal one and Susan G. Komen branded one. Wife also has 3 LOL. Well covered haha.
Reply
Joined Nov 2015
L4: Apprentice
> bubble2 329 Posts
34 Reputation
poopmanIV
02-13-2024 at 04:36 PM.
02-13-2024 at 04:36 PM.
so it actually works for 3% with GPay using Paypal as the source (with PP Mastercard as payment method)?

in that case wouldn't this cover pretty much all in store purchases since pretty much all registers now have GPay?
Reply
Joined Apr 2007
L3: Novice
> bubble2 137 Posts
13 Reputation
fallopian tube
02-13-2024 at 04:44 PM.
02-13-2024 at 04:44 PM.
Quote from poopmanIV :
so it actually works for 3% with GPay using Paypal as the source (with PP Mastercard as payment method)?

in that case wouldn't this cover pretty much all in store purchases since pretty much all registers now have GPay?
I tried using in store Gpay paying with this card, did not get 3%.
Reply
Joined Dec 2018
L1: Learner
> bubble2 22 Posts
14 Reputation
Homiebro
02-13-2024 at 08:42 PM.
02-13-2024 at 08:42 PM.
Quote from mitchflorida :
This BofA card is better in every way, and gives 3 percent off on all online purchases, not just eBay. $200 sign up bonus too.

https://www.bankofamerica.com/cre...edit-card/


Online shopping, including cable, internet, phone plans and streaming 3% cash back

Automatic 2% cash back at grocery stores and wholesale clubs

Bofa card is great but note that it has quarterly limit of $2,500 on which you can earn 3% cb vs this has unlimited 3% cb on paypal purchases.
Reply
Joined Nov 2019
New User
> bubble2 2 Posts
10 Reputation
FancyFang116
02-13-2024 at 08:48 PM.
02-13-2024 at 08:48 PM.
I can also buy discounted gift card with PayPal and get 3% CB. I love this card.
Reply
Joined Dec 2005
L6: Expert
> bubble2 1,837 Posts
221 Reputation
FLTURD
02-14-2024 at 11:12 AM.
02-14-2024 at 11:12 AM.
Quote from poopmanIV :
so it actually works for 3% with GPay using Paypal as the source (with PP Mastercard as payment method)?

in that case wouldn't this cover pretty much all in store purchases since pretty much all registers now have GPay?
anyone able to verify this?
Reply

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Joined Apr 2009
L3: Novice
> bubble2 219 Posts
119 Reputation
OGIGA
02-14-2024 at 12:08 PM.
02-14-2024 at 12:08 PM.
Had this card for over a year. Can't figure out the rhyme or reason why sometimes, PayPal checkout doesn't work. It says to go back to the merchant and use a different payment method.
Reply
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