Bank of America Travel Rewards credit card vs. PayPal Cashback Mastercard
On the criteria below, Bank of America Travel Rewards credit card wins 1 of 4. The verdict depends on which criteria matter to you.
Bank of America Travel Rewards credit card
Bank of America
PayPal Cashback Mastercard
Synchrony
Bank of America Travel Rewards credit card wins 1 of 4 criteria here, making it the stronger all-rounder.
Bank of America Travel Rewards credit card leads on foreign transactions, while PayPal Cashback Mastercard only ties the rest.
Who wins what
1 vs 0 (3 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Foreign transactions Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- 3×
- 3×
- Top categories
- Travel
- PayPal Purchases
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Bank of America Travel Rewards Points
- PayPal Cash Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.