Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on online shopping (catalog median is 1x)
- No annual fee
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$396/yr
$396 rewards
#32 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$426/yr
$426 rewards
#42 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$420/yr
$420 rewards
#48 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
1.5x
Grocery
1.5x
Gas
1.5x
Flights
1.5x
Hotels
1.5x
Other Travel
1.5x
Online Shopping
3x
Rideshare
1.5x
Streaming
1.5x
Amazon
1.5x
Other
1.5x
Apple
1.5x
Cell Phone
1.5x
Fast Food
1.5x
Home Utilities
1.5x
Internet
1.5x
Walmart
1.5x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3% cash back when you check out with PayPal (modeled as Online Shopping), 1.5% on everything else since August 1, 2024 (previously 2%). No annual fee, no caps. Requires an active PayPal account.
PayPal Cashback Mastercard FAQ
What is the PayPal Cashback Mastercard annual fee?
The PayPal Cashback Mastercard has no annual fee.
What are the best spending categories for the PayPal Cashback Mastercard?
3x on online shopping, 1.5x on flights, 1.5x on hotels. Everything else earns 1.5x.
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Sources & Verification
Card data last reviewed 2026-10-20.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.