Head to head

PayPal Cashback Mastercard vs. Sam's Club Mastercard

On the criteria below, Sam's Club Mastercard wins 3 of 4. The verdict depends on which criteria matter to you.

PayPal Cashback Mastercard

Synchrony

Synchrony

At a glance

Sam's Club Mastercard wins 3 of 4 criteria here, making it the stronger all-rounder.

Sam's Club Mastercard leads on first-year math, earning ceiling, and foreign transactions, while PayPal Cashback Mastercard only ties the rest.

Pick the Sam's Club Mastercard if year-one math is your priority.

0 vs 3 (1 tie)

First-year math Sam's Club Mastercard

Sam's Club Mastercard wins on bonus value minus annual fee.
Annual fee Tie

Same annual fee.
Earning ceiling Sam's Club Mastercard

Sam's Club Mastercard earns more on its best category (5× vs 3×).
Foreign transactions Sam's Club Mastercard

Sam's Club Mastercard has a lower (or zero) foreign transaction fee.

Annual fee: Free; Free
Welcome offer (typical value): —; $30
First-year net: +$0; +$30
Peak earning rate: 3×; 5×
Top categories: PayPal Purchases; Gas Ev Charging, Dining, Sams Club Purchases
Lounge access: No; No
Travel insurance: No; No
Elite status: No; No
Foreign transaction fee: 3.00%; None
Reward currency: PayPal Cash Rewards; Sam's Cash

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.