PayPal Cashback Mastercard: what it earns
Updated September 17, 2026 · from RightCard's verified card and merchant data
PayPal Cashback Mastercard earns 3% at online shopping, and 1.5% on everything else. No annual fee.
Every category, as published
The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.
| Category | Earn | ≈ value / $1 |
|---|---|---|
| Restaurants | 1.5% | 1.5¢ |
| Supermarkets | 1.5% | 1.5¢ |
| Gas stations | 1.5% | 1.5¢ |
| Travel | 1.5% | 1.5¢ |
| Online shopping | 3% | 3¢ |
| Drugstores | 1.5% | 1.5¢ |
| Transit & rideshare | 1.5% | 1.5¢ |
| Streaming | 1.5% | 1.5¢ |
| Everything else | 1.5% | 1.5¢ |
Where it beats a flat 2% card
Online shopping. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.
See it against the rest of your wallet →
How RightCard handles this: add the PayPal Cashback Mastercard in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and
private. No bank login. Recommendations are computed on your phone.
Get RightCard on the App Store
FAQ
What does the PayPal Cashback Mastercard earn at supermarkets?
1.5% at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.
What does the PayPal Cashback Mastercard earn on everything else?
1.5% on purchases outside its bonus categories.
Does the PayPal Cashback Mastercard have an annual fee?
No annual fee.
Where these numbers come from: RightCard's data
pipeline re-checks each card's published rates weekly and lists a rate only after two independent
sources agree. Merchant codes come from our merchant directory. If a card or store is missing here,
it is because we could not verify it, not because we guessed.
More guides: Rate my wallet · All cards ·