Earn 3% back on PayPal purchases and 1.5% everywhere else — no annual fee

PayPal Cashback Mastercard®: Calculator & 3%/1.5% Cashback Guide

Fees

Earning Rates

Earn an unlimited 3% cash back on all purchases made with PayPal.
Earn an unlimited 1.5% cash back on all other purchases.

Main Benefits

Purchase protection when you shop through PayPal.

Our Take

The PayPal Cashback Mastercard is a straightforward cash back credit card that offers bonus cash back when shopping through PayPal. If you frequently checkout with PayPal, this is a very good credit card to have, especially with it having no annual fee.

Last Updated: 04-09-2025

PayPal Cashback Mastercard Cash Back Calculator

Use this calculator to estimate your monthly rewards with the PayPal Cashback Mastercard®. Earn 3% back on PayPal purchases and 1.5% on all other eligible spend — with no categories to activate and no annual fee, it’s a strong pick for digital shoppers and everyday rewards.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

PayPal Cashback Mastercard® Details

Earning Rates

The PayPal Cashback Mastercard earns cash back at the following rates:

3% cash back when you pay with PayPal.
1.5% cash back everywhere else Mastercard is accepted.

Fees

Annual Fee

The PayPal Cashback Mastercard has no annual fee.

Authorized User Fee

There is no fee to add authorized users to the PayPal Cashback Mastercard. You can add up to 6 additional users.

Foreign Transaction Fee

The PayPal Cashback Mastercard has a 3% foreign transaction fee. That makes this card a bad option for spending outside of the United States.

Cash Back Calculators & Guides

Use Our Calculator To Maximize Your Rewards

Discover personalized credit card options that match your spending habits and maximizes your rewards.

View the highest offers from our partners and input your monthly and yearly spend amounts into our easy-to-use calculator to find the best credit card options for you!

Travel Cash Back Airline Hotel Rewards Business

PayPal Cashback Mastercard®: Calculator & 3%/1.5% Cashback Guide

Fees

Earning Rates

Main Benefits

Our Take

PayPal Cashback Mastercard Cash Back Calculator

Card Details All links open in new tab (so you will not lose your calculations).

Edit Card Details

Edit Card Name

Quick Assign

Currency Codes

Currency Name

Add Status / Loyalty

Clear / Remove...

Clear Spend

Remove Credit Card Selections

Remove All Categories

Card Select

Currency Controls

Currencies

Currency Conversions

Set Column Currency

Credit Cards

Currency Worth

Memberships / Loyalty

Spend Categories

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

PayPal Cashback Mastercard® Details

Earning Rates

Fees

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Cash Back Calculators & Guides

Best Cash Back Credit Card Offers

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Chase Cash Back Credit Card Calculators

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