PayPal Cashback Mastercard

The pitch here is 3% back on purchases, but read the condition carefully: the 3% only applies when you check out through PayPal, whether online or with the in-store QR code. Pay any other way and the card earns 1.5%, which is also its rate on everything else, so 1.5% is the honest base rate to plan around. There is no annual fee, so if a meaningful share of your online shopping already routes through PayPal, that 3% is real money for no carrying cost. Two things blunt it: the card charges foreign transaction fees, making it a bad choice abroad, and the standard APR runs from 18.49% all the way to 33.24%, so this is strictly a pay-in-full card. There is no signup bonus to sweeten the start, so the value has to come from steady PayPal-routed spending.