PayPal Cashback Mastercard cashback rate, cap and annual fee
PayPal Cashback Mastercard pays 3% at checking out with PayPal and 1.5% on everything else.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Synchrony · United States · catalogue v103
Read from Synchrony's own published terms on 15 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| checking out with PayPalonline and delivery | 3.00% | —3% when you check out with PayPal and choose this card. |
| everything else | 1.50% | —1.5% on all other purchases everywhere Mastercard is accepted. |
Questions people ask
What cashback does the PayPal Cashback Mastercard pay?
3% at checking out with PayPal and 1.5% on everything else.
Is there a cap on the PayPal Cashback Mastercard?
No monthly cap is published on the rates shown here.
What is the annual fee on the PayPal Cashback Mastercard?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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