Bank of America Unlimited Cash Rewards credit card vs. PayPal Cashback Mastercard
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Bank of America Unlimited Cash Rewards credit card
Bank of America
PayPal Cashback Mastercard
Synchrony
Bank of America Unlimited Cash Rewards credit card and PayPal Cashback Mastercard split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Bank of America Unlimited Cash Rewards credit card wins on first-year math; PayPal Cashback Mastercard wins on earning ceiling.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 1 (1 tie)- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling PayPal Cashback Mastercard
PayPal Cashback Mastercard earns more on its best category (3× vs 0×).
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $250
- —
- First-year net
- +$250
- +$0
- Peak earning rate
- —
- 3×
- Top categories
- —
- PayPal Purchases
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Cashback
- 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.