PayPal Cashback Mastercard®
Basic Information
Program ID: paypal-cashback-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:48
Last Scraped: 01/15/2026 08:30
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Cashback
Base Reward Rate: 0.02%
Bonus Reward Rate: 0.02%
Bonus Categories: All purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cashback does not expire as long as account is active and in good standing.
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The PayPal Cashback Mastercard offers an unlimited 2% cashback on all eligible purchases. To apply, applicants must be at least 18 years old, a U.S. resident, and have an active PayPal account in good standing. Approval generally requires a good to excellent credit score. Synchrony, as the issuer, evaluates overall creditworthiness, existing credit exposure with Synchrony, and recent credit applications when considering new applications.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A - No traditional sign-up bonus with spend requirement.
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (numerous recent applications), high cumulative credit limit across Synchrony accounts, defaulting on other Synchrony accounts, suspicious account activity, or breach of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Consistent 2% cashback on all purchases with no annual fee, and convenient automatic redemption to PayPal balance.
Top Negative Feedback:
Inconsistent customer service, high APR, and occasional issues with account management or credit limit increases.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Wells Fargo Active Cash Card
- Fidelity Rewards Visa Signature Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024