Southwest Rapid Rewards Premier Credit Card vs. PayPal Cashback Mastercard
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Southwest Rapid Rewards Premier Credit Card
Chase
PayPal Cashback Mastercard
Synchrony
Southwest Rapid Rewards Premier 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.
Southwest Rapid Rewards Premier Credit Card wins on travel insurance and foreign transactions; PayPal Cashback Mastercard wins on first-year math and annual fee.
Pick the PayPal Cashback Mastercard if year-one math is your priority; take the PayPal Cashback Mastercard if you want a cheaper card to keep long-term.
Who wins what
2 vs 2 (1 tie)- First-year math PayPal Cashback Mastercard
PayPal Cashback Mastercard wins on bonus value minus annual fee.
- Annual fee PayPal Cashback Mastercard
PayPal Cashback Mastercard is $149 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card carries built-in travel insurance.
- Foreign transactions Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $149
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- $-149
- +$0
- Peak earning rate
- 3×
- 3×
- Top categories
- Airfare, Groceries, Dining
- PayPal Purchases
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Southwest Rapid Rewards
- 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.