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MASTERCARD
Mastercard World
PayPal Cashback Mastercard
Foreign Transaction Fee
$0
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
1,700+ airport lounges worldwide Luxury hotel perks (breakfast, upgrade, $100 amenity) Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros
- +No annual fee
- +3% cash back when using PayPal checkout
- +No foreign transaction fees
- +Instant cashback redemption to PayPal balance
- +Mobile wallet support (Apple Pay, Google Pay, Samsung Pay)
- +Can add up to 6 authorized users earning 1.5%
- +Mastercard World Elite benefits
- +Zero liability protection
- +Stackable with merchant offers
Cons
- -Only 1.5% on non-PayPal purchases (reduced from 2% in Aug 2024)
- -Must use PayPal checkout to earn 3% (not just the card)
Details & Terms
| Purchase APR | 20.74%–30.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
MASTERCARD
Mastercard World
PayPal Cashback Mastercard
Foreign Transaction Fee
$0
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
1,700+ airport lounges worldwide Luxury hotel perks (breakfast, upgrade, $100 amenity) Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros
- +No annual fee
- +3% cash back when using PayPal checkout
- +No foreign transaction fees
- +Instant cashback redemption to PayPal balance
- +Mobile wallet support (Apple Pay, Google Pay, Samsung Pay)
- +Can add up to 6 authorized users earning 1.5%
- +Mastercard World Elite benefits
- +Zero liability protection
- +Stackable with merchant offers
Cons
- -Only 1.5% on non-PayPal purchases (reduced from 2% in Aug 2024)
- -Must use PayPal checkout to earn 3% (not just the card)
Details & Terms
| Purchase APR | 20.74%–30.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
MASTERCARD
Mastercard World
PayPal Cashback Mastercard
Foreign Transaction Fee
$0
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
1,700+ airport lounges worldwide Luxury hotel perks (breakfast, upgrade, $100 amenity) Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros
- +No annual fee
- +3% cash back when using PayPal checkout
- +No foreign transaction fees
- +Instant cashback redemption to PayPal balance
- +Mobile wallet support (Apple Pay, Google Pay, Samsung Pay)
- +Can add up to 6 authorized users earning 1.5%
- +Mastercard World Elite benefits
- +Zero liability protection
- +Stackable with merchant offers
Cons
- -Only 1.5% on non-PayPal purchases (reduced from 2% in Aug 2024)
- -Must use PayPal checkout to earn 3% (not just the card)
Details & Terms
| Purchase APR | 20.74%–30.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
3,000+ luxury hotels worldwide
Travel portal with hotel upgrades and concierge $5 Lyft + airport savings Curated experiences in 45+ destinations 24/7 personal concierge at your service Exclusive PGA TOUR experiences Annual Credits & Statement Credits
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|
| $5 Lyft + airport savings | — | Transit & Rideshare | — | Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide. |
| $3/mo Peacock | — | Streaming | — | Save $3/month on Peacock Premium or Premium Plus with automatic statement credit. |
| $10/mo Instacart+ | — | Delivery | — | Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card. |
| $2.50/mo transit | — | Transit & Rideshare | — | Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities. |
Insurance & Protections
Combined Protection Value
$1,250
+12 months extended warranty (up to $10K)
Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Free medical identity monitoring
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Comprehensive identity theft monitoring
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Show all 7 protections
$1,000/claim purchase protection (90 days)
$1,000
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Price match within 120 days ($250 max)
$250
Get refunded the price difference if you find a lower advertised price within 120 days, up to $250 per claim.
-
Cash back tied to PayPal ecosystem
-No welcome bonus-Higher APR range (20.74%-30.74%)-Less competitive with flat 2% cards like Citi Double CashBest For
- ✓PayPal ecosystem users who checkout with PayPal frequently
- ✓International travelers (no foreign transaction fees)
- ✓Those who want instant cashback redemption
- ✓Simple cashback earners who dislike category tracking
- ✓People who want to add multiple authorized users
Not Ideal For
- ✗Those who rarely use PayPal checkout (only 1.5% on card swipes)
- ✗People seeking higher flat-rate cashback (was 2%, now 1.5%)
- ✗Those who prefer traditional check/statement credit redemption
- ✗Cardholders wanting category bonus flexibility
3,000+ luxury hotels worldwide
Travel portal with hotel upgrades and concierge $5 Lyft + airport savings Curated experiences in 45+ destinations 24/7 personal concierge at your service Exclusive PGA TOUR experiences Annual Credits & Statement Credits
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|
| $5 Lyft + airport savings | — | Transit & Rideshare | — | Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide. |
| $3/mo Peacock | — | Streaming | — | Save $3/month on Peacock Premium or Premium Plus with automatic statement credit. |
| $10/mo Instacart+ | — | Delivery | — | Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card. |
| $2.50/mo transit | — | Transit & Rideshare | — | Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities. |
Insurance & Protections
Combined Protection Value
$1,250
+12 months extended warranty (up to $10K)
Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Free medical identity monitoring
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Comprehensive identity theft monitoring
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Show all 7 protections
$1,000/claim purchase protection (90 days)
$1,000
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Price match within 120 days ($250 max)
$250
Get refunded the price difference if you find a lower advertised price within 120 days, up to $250 per claim.
-
Cash back tied to PayPal ecosystem
-No welcome bonus-Higher APR range (20.74%-30.74%)-Less competitive with flat 2% cards like Citi Double CashBest For
- ✓PayPal ecosystem users who checkout with PayPal frequently
- ✓International travelers (no foreign transaction fees)
- ✓Those who want instant cashback redemption
- ✓Simple cashback earners who dislike category tracking
- ✓People who want to add multiple authorized users
Not Ideal For
- ✗Those who rarely use PayPal checkout (only 1.5% on card swipes)
- ✗People seeking higher flat-rate cashback (was 2%, now 1.5%)
- ✗Those who prefer traditional check/statement credit redemption
- ✗Cardholders wanting category bonus flexibility
3,000+ luxury hotels worldwide
Travel portal with hotel upgrades and concierge $5 Lyft + airport savings Curated experiences in 45+ destinations 24/7 personal concierge at your service Exclusive PGA TOUR experiences Annual Credits & Statement Credits
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|
| $5 Lyft + airport savings | — | Transit & Rideshare | — | Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide. |
| $3/mo Peacock | — | Streaming | — | Save $3/month on Peacock Premium or Premium Plus with automatic statement credit. |
| $10/mo Instacart+ | — | Delivery | — | Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card. |
| $2.50/mo transit | — | Transit & Rideshare | — | Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities. |
Insurance & Protections
Combined Protection Value
$1,250
+12 months extended warranty (up to $10K)
Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Free medical identity monitoring
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Comprehensive identity theft monitoring
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Show all 7 protections
$1,000/claim purchase protection (90 days)
$1,000
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Price match within 120 days ($250 max)
$250
Get refunded the price difference if you find a lower advertised price within 120 days, up to $250 per claim.
-
Cash back tied to PayPal ecosystem
-No welcome bonus-Higher APR range (20.74%-30.74%)-Less competitive with flat 2% cards like Citi Double CashBest For
- ✓PayPal ecosystem users who checkout with PayPal frequently
- ✓International travelers (no foreign transaction fees)
- ✓Those who want instant cashback redemption
- ✓Simple cashback earners who dislike category tracking
- ✓People who want to add multiple authorized users
Not Ideal For
- ✗Those who rarely use PayPal checkout (only 1.5% on card swipes)
- ✗People seeking higher flat-rate cashback (was 2%, now 1.5%)
- ✗Those who prefer traditional check/statement credit redemption
- ✗Cardholders wanting category bonus flexibility
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
