PayPal and SynchronyPayPal Cashback Mastercard
$0Frequent PayPal checkout users
Base rate is modest outside PayPal
Check current offer This link goes to PayPal and Synchrony’s site. Dean earns nothing if you apply.PayPal and Synchrony PayPal Cashback Mastercard
Annual fee $0. 3% when checking out with PayPal using the card; 1.5% elsewhere.
See if it fits my walletDean’s short answer
Best fit: Frequent PayPal checkout users.
Digital-wallet cash back
This card and its closest alternatives
The 3 reviewed personal cards that share the most card types and features with the PayPal Cashback Mastercard.
When a link pays Dean a commission, the card says so right there. Paid or not, the ranking never changes, and no issuer sponsors or endorses Dean. Approval, rates, and terms are controlled by the card issuer.
AppleApple Card
$0Apple Card
Same annual fee: $0. Best fit: iPhone users who pay mostly through Apple Pay. Dean’s catalog lists it as: Digital-wallet cash back, Retail co-brand.
Read Dean’s reviewSamsung and BarclaysSamsung Galaxy Card
$0Samsung and Barclays Samsung Galaxy Card
Same annual fee: $0. Best fit: Samsung device owners who use Samsung Wallet. Dean’s catalog lists it as: Digital-wallet cash back, Retail co-brand.
Read Dean’s reviewCapital OneQuicksilver Cash Rewards
$0Capital One Quicksilver Cash Rewards
Same annual fee: $0. Best fit: People wanting a basic no-fee card. Dean’s catalog lists it as: Flat-rate cash back, 0% intro APR.
Read Dean’s review| Card | Annual fee | Rewards and benefit summary | Best fit | Main drawback | Source |
|---|---|---|---|---|---|
| PayPal Cashback MastercardPayPal and Synchrony | $0 | 3% when checking out with PayPal using the card; 1.5% elsewhereAutomatic PayPal integration; no annual fee | Frequent PayPal checkout users | Base rate is modest outside PayPal | PayPal and Synchrony Checked 2026-07-22 |
| Apple CardApple | $0 | 3% select merchants including Apple; 2% with Apple Pay; 1% with physical card under current termsDaily Cash; Apple product installment options; integrated spend and interest tools | iPhone users who pay mostly through Apple Pay | Lower reward when physical card is used; requires Apple ecosystem | Apple Checked 2026-07-22 |
| Samsung Galaxy CardSamsung and Barclays | $0 | 5% eligible Samsung purchases; 3% Samsung Wallet; 2% streaming; 1% otherMetal card; Samsung VIP Advantage discount; no foreign transaction fee under terms | Samsung device owners who use Samsung Wallet | Very new product; wallet and merchant eligibility rules apply | Samsung and Barclays Checked 2026-07-22 |
| Quicksilver Cash RewardsCapital One | $0 | 1.5% cash back on every purchase plus portal travel bonusesNo foreign transaction fee; simple redemption | People wanting a basic no-fee card | Flat rate trails 2% alternatives | Capital One Checked 2026-07-22 |
What it earns
3% when checking out with PayPal using the card; 1.5% elsewhere.
On everyday purchases that fit no bonus category, Dean counts 1.5% back when it ranks this card for you.
What comes with it
Automatic PayPal integration; no annual fee.
Dean treats these as the reasons to hold the PayPal Cashback Mastercard. If you would not use them, the card is worth less to you than its marketing says.
- Automatic PayPal integration
- no annual fee
Who can get it
Dean lists the PayPal Cashback Mastercard for good, excellent credit. It is a personal card. Availability: public national.
A listed credit range is a starting point, not an approval promise. PayPal and Synchrony decides approval, your credit limit, and your rate when you apply.
The catch
Base rate is modest outside PayPal.
Annual fee: $0. Dean checked the fee and terms against PayPal and Synchrony on July 22, 2026. Terms can change after that date, so read the live offer before you apply.
Annual travel credit: how to value it
Statement credit or instant discount for eligible travel.
Conditions to check: Calendar versus cardmember year, portal or merchant restrictions, exclusions. Value it at face value only if you would use it naturally.
Sources and scope
Check the evidence, then check the live offer.
Dean links directly to the issuer. Card terms and eligibility can change after the review date.