Who it's for
Cash backNo annual fee
PayPal Cashback
Best for users who shop heavily through PayPal — Etsy, eBay, Mercari, many smaller online merchants. The 1.5% base rate is competitive even for non-PayPal spend.
$884/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1.5x | $400/mo |
| Groceries | 1.5x | $600/mo |
| Flights & hotels | 1.5x | $300/mo |
| Rent | 1.5x | $2,500/mo |
| Gas & transit | 1.5x | $150/mo |
| Streaming | 1.5x | $80/mo |
| Online shopping | 2.1x | $200/mo |
| Everything else | 1.5x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 3% cash back on purchases made through PayPal (any merchant where PayPal is a payment method)
- 1.5% cash back on all other purchases
- No annual fee, no foreign transaction fees
- Cash back automatically credited to your PayPal account
- Mastercard network — accepted worldwide
Similar cards
- Wells Fargo Active CashNo annual fee$1,159est. value/yr
- Amazon Prime VisaNo annual fee$799est. value/yr
- Apple CardNo annual fee$630est. value/yr
- Amex Blue Cash EverydayNo annual fee$1,072est. value/yr
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