Head to head 
PayPal Cashback Mastercard vs. Venmo Visa Signature Credit Card
On the criteria below, Venmo Visa Signature Credit Card wins 1 of 4. The verdict depends on which criteria matter to you.
PayPal Cashback Mastercard
Synchrony
Venmo Visa Signature Credit Card
Synchrony
At a glance
Venmo Visa Signature Credit Card wins 1 of 4 criteria here, making it the stronger all-rounder.
Venmo Visa Signature Credit Card leads on foreign transactions, while PayPal Cashback Mastercard only ties the rest.
Who wins what
0 vs 1 (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 Venmo Visa Signature Credit Card
Venmo Visa Signature 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
- PayPal Purchases
- Top Spend Category, Second Top Spend Category
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- Yes
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- PayPal Cash Rewards
- Venmo 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.