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

+37 Deal Score
62,138 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
62,138 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 Dec 2013
L4: Apprentice
> bubble2 314 Posts
50 Reputation
humphrjm
02-14-2024 at 12:19 PM.
02-14-2024 at 12:19 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.
Thank you for clarifying which store cards were for which stores Big Grin
1
1
1
Reply
Joined Mar 2010
L3: Novice
> bubble2 191 Posts
98 Reputation
lilanimegrl
02-14-2024 at 08:04 PM.
02-14-2024 at 08:04 PM.
Anyone having issues adding the PayPal account to Google pay / wallet on phone?
Reply
Joined Nov 2019
VIP Member
> bubble2 14,557 Posts
724 Reputation
Lilyly
02-14-2024 at 08:08 PM.
02-14-2024 at 08:08 PM.
Quote from dubmang :
I just called and asked...
The rep said as long as I choose the MasterCard to pay, then it counts towards the 3%
cash back on "paypal" purchases.
Reply
Joined Sep 2016
L3: Novice
> bubble2 114 Posts
TheoNerd
02-15-2024 at 11:25 AM.
02-15-2024 at 11:25 AM.
"We can't offer you this credit card right now"

The heck...I have perfect credit.
5
Reply
Joined Nov 2009
padawan
> bubble2 2,453 Posts
92 Reputation
dubmang
02-15-2024 at 05:39 PM.
02-15-2024 at 05:39 PM.
Quote from Lilyly :
cash back on "paypal" purchases.
yup thats what i meant. goods and services using paypal/mastercard
Reply
Joined Feb 2020
L1: Learner
> bubble2 12 Posts
51 Reputation
DABMEYOU
02-15-2024 at 10:05 PM.
02-15-2024 at 10:05 PM.
Paypal is offering 5000 points,redeemable for 50$ cashback or other options if approved. No spend requirement if anyone is interested.This just popped up in the featured offers in the rewards tab. Go check it out and see if you are eligible.
Reply
Joined Nov 2015
L4: Apprentice
> bubble2 329 Posts
34 Reputation
poopmanIV
02-16-2024 at 02:42 PM.
02-16-2024 at 02:42 PM.
Quote from humphrjm :
Thank you for clarifying which store cards were for which stores
handed my Planet 13 card to the register today
"sir this is a Wendy's"
Reply

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Joined Dec 2008
Divided states of America
> bubble2 4,912 Posts
236 Reputation
inquisitive
02-19-2024 at 09:10 AM.
02-19-2024 at 09:10 AM.
i guess a paypal credit card gives me 3% for every purchase and my normal paypal doesn't. also i don't need to link my bank account like i have to with my normal paypal account. any other advantages? do they have fliers reward point system? foreign transaction fees(planning to travel abroad soon)?
Reply
Joined Dec 2008
Divided states of America
> bubble2 4,912 Posts
236 Reputation
inquisitive
02-19-2024 at 09:15 AM.
02-19-2024 at 09:15 AM.
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.
so as long as any establishment approves mastercard, you can use this card right? or does it need to be paypal mastercard approved? I am planning to get some dental work and purchase of camera lenses(for a trip) to take advantage of this. also does it waive foreign transaction fees?

Quote from DABMEYOU :
Paypal is offering 5000 points,redeemable for 50$ cashback or other options if approved. No spend requirement if anyone is interested.This just popped up in the featured offers in the rewards tab. Go check it out and see if you are eligible.
So if i currently have paypal in good standing, i should be eligible to get this right?
Reply
Joined Feb 2020
L1: Learner
> bubble2 12 Posts
51 Reputation
DABMEYOU
02-26-2024 at 02:42 AM.
02-26-2024 at 02:42 AM.
Quote from inquisitive :
so as long as any establishment approves mastercard, you can use this card right? or does it need to be paypal mastercard approved? I am planning to get some dental work and purchase of camera lenses(for a trip) to take advantage of this. also does it waive foreign transaction fees?


So if i currently have paypal in good standing, i should be eligible to get this right?

Yes, it showed up in the rewards section
Reply
Joined Jul 2022
Techie_Review
> bubble2 514 Posts
135 Reputation
techie_review101
02-26-2024 at 07:04 AM.
02-26-2024 at 07:04 AM.
Quote from lilanimegrl :
Anyone having issues adding the PayPal account to Google pay / wallet on phone?
I read somewhere on the new they are shutting down Google pay, not sure if thats implemented or later this year.
Reply
Joined Mar 2010
L3: Novice
> bubble2 191 Posts
98 Reputation
lilanimegrl
02-26-2024 at 07:46 AM.
02-26-2024 at 07:46 AM.
Quote from techie_review101 :
I read somewhere on the new they are shutting down Google pay, not sure if thats implemented or later this year.

Right, I saw they're planning to shut down Google pay in June for US but I'm unable to add PayPal to mobile wallet as well.
Reply
Joined Nov 2015
L1: Learner
> bubble2 23 Posts
10 Reputation
DukeWoolworth
02-26-2024 at 01:16 PM.
02-26-2024 at 01:16 PM.
They will now want $1.99/month for paper billing.
BTW, I just bought $3000 kitchen appliances online the depot using this card. That's $90 back.
Reply
Joined Apr 2011
Expert in Sarcasm
> bubble2 3,539 Posts
882 Reputation
kida182001
02-27-2024 at 03:03 PM.
02-27-2024 at 03:03 PM.
Quote from techie_review101 :
I read somewhere on the new they are shutting down Google pay, not sure if thats implemented or later this year.

Google Pay and Wallet are 2 different services. Unless they're shutting both down, which will suck. I don't care for Pay but I do use Wallet.
Reply

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Joined Sep 2017
L3: Novice
> bubble2 215 Posts
26 Reputation
desi_munda
02-27-2024 at 03:37 PM.
02-27-2024 at 03:37 PM.
Quote from hw1234 :
The PayPal card is 3% at any merchant where you can use PayPal, not just eBay. It also gives 2% minimum on everything else. The only scenario where the BofA card is better is is someone does a lot of online shopping at stores that don't take PayPal, which isn't common.

With Bofa custom cash card- I received 3% cashback on the gold bar I purchased from Costco for about $1900, which is about $57. PayPal card is good but you need to keep both to maximize your savings IMO. PayPal checkout is not an option everywhere but Online shopping category of Bofa covers much more than Paypal.
Reply
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