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PayPal · credit
Last updated
Apply on PayPal's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 3× | Paying with PayPal Verified by source |
|---|---|
| 1.5× | Everywhere else Verified by source |
No lounge access.
Using PayPal Cashback at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of the amount of each cash advance, whichever is greater (Synchrony Bank) Inferred by source |
|---|---|
| Cash advance APR | Prime rate plus 23.74% (about 30% variable); no grace period Inferred by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The PayPal Cashback Mastercard® has no annual fee.
The PayPal Cashback Mastercard® earns 3% paying with PayPal, 1.5% everywhere else.
No — the PayPal Cashback Mastercard® does not include airport lounge access.
Yes — the PayPal Cashback Mastercard® charges a 3% foreign transaction fee.