Cards
Cash BackSynchrony - for PayPalNo Annual Fee
PayPal Cashback Mastercard
Key facts
Annual feeNo annual fee
NetworkWorld Mastercard
Rewards currencyPayPal Cash Rewards
Recommended creditFair – Good (670+)
Current sign-up bonus
No standard welcome/sign-up bonus is currently offered on this card.
Reward rates
3% on When checking out with PayPal
1.5% on everything else
Purchase protections
Cell Phone Protection
None confirmed. Cell phone protection is not a standard World Mastercard benefit and is not publicly listed for this card.
Extended Warranty (Unconfirmed)
Potentially included via Mastercard World benefit suite, but extended warranty terms have not been publicly confirmed by Synchrony for this card. [UNCONFIRMED — Guide to Benefits required]
Purchase Protection (Unconfirmed)
Potentially included via Mastercard World benefit suite, but purchase protection dollar limits and terms have not been publicly confirmed by Synchrony for this card. [UNCONFIRMED — Guide to Benefits required]
Other benefits
Authorized User Fee
$0. Authorized users can be added at no additional cost.
Foreign Transaction Fee
3% foreign transaction fee on each purchase made outside the U.S. This is a notable feature for a $0 annual fee card — one of the few no-AF cards that still charges a foreign transaction fee.
Secondary Rental Car (Unconfirmed)
Potentially included as a World Mastercard benefit. World Mastercard tier may include complimentary secondary rental car coverage, but Synchrony has not publicly confirmed this benefit for the PayPal Cashback Mastercard specifically. [UNCONFIRMED — Guide to Benefits required]
Primary Rental Car
None confirmed.
Earn Rates
3% cash back on eligible purchases made through PayPal (online checkout using PayPal, in-app PayPal purchases, and sending money to other PayPal users); 1.5% cash back on all other eligible purchases everywhere Mastercard is accepted. Cash back deposited directly to the cardholder's PayPal balance. No annual cap, no category rotation.
A flat-rate card may earn more for your everyday spend:
Hilton American Express CardAmEx
3% everywhere
Robinhood Gold CardCoastal Community Bank
3% everywhere
IHG One Rewards PremierChase
3% everywhere
Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
Card images, names, and logos shown on this page — including the PayPal Cashback Mastercard, a product of Synchrony - for PayPal — are trademarks of their respective owners. Their use here is for identification purposes only and does not imply endorsement or affiliation.