PayPal Cashback Mastercard

The PayPal Cashback Mastercard stands out for its simple and effective rewards structure: 3% cash back on purchases made through PayPal checkout, whether online or using in-store QR codes, and 1.5% on all other purchases. With no annual fee, it's a good choice for frequent PayPal users who want to maximize their cash back on online shopping. However, the card's rewards drop to 1.5% when PayPal isn't used, which is less competitive compared to other flat-rate cash back cards. Additionally, the card carries a foreign transaction fee, making it less ideal for international use. If you often shop online and use PayPal regularly, this card can offer solid value without added costs.