PayPal Cashback Mastercard®

Unlock unlimited cash back.

With the PayPal Cashback Mastercard, you earn unlimited 3% cash back1 when you checkout with PayPal and 1.5% on all other purchases everywhere else Mastercard is accepted—unlimited cash back, no rotating categories, and no annual fee.2 Plus, apply with no impact to your credit score if you’re declined.3

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PayPal MasterCard

Earn up to 3% cash back

Earn cash back

Earn 3% when you pay with PayPal and 1.5% everywhere else Mastercard is accepted. Get rewarded as soon as your purchases post to the credit card account, and accelerate earnings by adding up to 6 authorized users to your account.4

Combine your rewards

Combine merchant cash back offers with cash back you earn with your card. Just save the offers in the app and we'll automatically apply them at checkout.

Pay with peace of mind

With the Mastercard ID Theft Protection™ benefit, you will be alerted to possible identity theft.5 Go to Mastercard Guide to Benefits.

All of the rewards. None of the hassle.

Apply for the PayPal Cashback Mastercard® in minutes with our easy application process.

Apply for the Card
3%
cash back when you check out with PayPal.
1.5%
cash back on all other purchases everywhere Mastercard is accepted.
$0
No annual fee.2

Earn. Redeem. Enjoy. Repeat.

Earn 3% cash back with the PayPal Cashback Mastercard and combine it with PayPal offers. And 1.5% cash back everywhere else Mastercard is accepted. No rotating categories. No annual fee. Just cash back.

Check Out the Offers

A faster way to pay

Don’t carry a wallet? No problem. Just add your card to your mobile wallet and use it in-store with Apple Pay®, Google Pay™, or Samsung Pay for a secure contactless checkout.

More About Digital Wallet

Frequently asked questions

Discover more ways to pay

Buy Now, Pay Later
 
PayPal Credit Options
 
PayPal Debit Card
 
PayPal Rewards
 
Add Cards and Banks
 
PayPal Savings
 

All in

the new

PayPal app

It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all on the go.

Estimated cash back rewards amounts are for illustrative purposes.
1
Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and eligibility criteria.
2
See Terms and Rates for new accounts.
3
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 score.
4
You are liable for all transactions made on your credit card account by any authorized users. If the Authorized User has an account with PayPal, the Authorized User will not be able to add the card to their account with PayPal.​
5
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.
6
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 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.
Apple Pay is a trademark of Apple Inc.
Google Pay is a trademark of Google LLC.
Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.