11
Benefits2
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| PayPal Purchases | 3x | Cash Back | Eligible purchases made using your PayPal Cashback Mastercard through PayPal. | No Cap | |
| All Other Purchases | 2x | Cash Back | All other eligible purchases made with your PayPal Cashback Mastercard everywhere Mastercard is accepted, outside of your PayPal account. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 2x
Quarterly Rotating: No
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 11 Total
PENDINGFinancial 1
No Annual Fee
No feeThere is no annual fee to carry this credit card.
Lifestyle 1
Travel & Lifestyle Services
24/7 personal assistanceProvides complimentary 24/7 personal assistance for travel planning, dining reservations, event tickets, and other lifestyle needs.
Purchase Protection 3
Extended Warranty
Up to 1 additional year, up to $10,000 per claimDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when you pay with your Mastercard. Coverage is typically up to $10,000 per claim and $50,000 per cardholder per year.
Purchase Assurance
Up to 90 days, up to $1,000 per claimCovers eligible new purchases against damage or theft for a specified period, typically 90 days from the date of purchase. Coverage is typically up to $1,000 per claim and $50,000 per cardholder per year.
Cell Phone Protection
Up to $600 per claim, 2 claims per 12 months, $50 deductibleCovers eligible cell phones against damage or theft when the monthly cell phone bill is paid with your Mastercard. Typically covers up to $600 per claim, with a maximum of 2 claims per 12-month period and a $50 deductible per claim.
Rewards 2
Cash Back on PayPal Purchases
3% cash backEarn 3% cash back on all eligible purchases made through PayPal.
Cash Back on All Other Mastercard Purchases
2% cash backEarn 2% cash back on all other eligible purchases made with your Mastercard, outside of PayPal.
Security 3
Mastercard ID Theft Protection™
Identity theft monitoring and resolution servicesProvides services to help detect and resolve identity theft, including monitoring for suspicious activity and assistance from a resolution specialist.
Mastercard Global Service™
24/7 emergency assistanceProvides 24-hour emergency assistance for card-related questions, including lost or stolen card reporting, emergency card replacement, and emergency cash advance services.
Zero Liability Protection
Full protection against unauthorized purchasesProtects you from unauthorized purchases made with your Mastercard. You will not be held responsible for unauthorized transactions.
Travel 1
No Foreign Transaction Fees
No feeAvoid additional charges on purchases made outside of the United States.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 34.24%
Cash Advance APR: 34.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The PayPal Cashback Mastercard offers unlimited 2% cash back on all eligible purchases. Eligibility for this card requires an active PayPal account and a credit profile typically in the good to excellent range. While Synchrony Bank is known for issuing store-specific cards, the core 2% cash back earning on this Mastercard is generally universal across all eligible purchases. However, Synchrony may introduce temporary, store-specific bonus offers or redemption restrictions in the future. There are no foreign transaction fees associated with this card.
Max Cards Per Issuer: 7
Min Spend Interval: N/A - No standard sign-up bonus with spend requirement for 2026.
Cliff Effect Rules: No direct 'cliff effect' rules similar to Chase's 5/24. Synchrony's approval decisions are based on an individual's overall credit profile, recent credit seeking behavior, and total credit exposure across all Synchrony-issued accounts.
Special Events: N/A - This is a general-purpose Mastercard, not a store-specific card. Any store-related promotions would be temporary and not inherent to the card's core structure.
Holiday Promos: Variable - Synchrony may offer temporary, general promotions or specific cashback boosts during holiday periods, but none are fixed or guaranteed for this card in 2026.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Users appreciate the straightforward 2% cashback on all purchases with no annual fee. The automatic deposit of rewards into a PayPal account is a convenient feature. It's considered a solid card for everyday spending without the hassle of rotating categories.
Top Negative:
Common complaints include mixed experiences with Synchrony's customer service, a high APR if balances are carried, and some users report difficulty securing credit limit increases. There is also a foreign transaction fee.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Wells Fargo Active Cash Card
- Fidelity Rewards Visa Signature Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $360.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023