PayPal Cashback Mastercard vs. Wells Fargo Active Cash Card
On the criteria below, Wells Fargo Active Cash Card wins 2 of 4. The verdict depends on which criteria matter to you.
PayPal Cashback Mastercard
Synchrony
Wells Fargo Active Cash Card
Wells Fargo
Wells Fargo Active Cash Card wins 2 of 4 criteria here, making it the stronger all-rounder.
PayPal Cashback Mastercard wins on earning ceiling; Wells Fargo Active Cash Card wins on first-year math and travel insurance.
Pick the Wells Fargo Active Cash Card if year-one math is your priority.
Who wins what
1 vs 2 (1 tie)- First-year math Wells Fargo Active Cash Card
Wells Fargo Active Cash 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×).
- Travel insurance Wells Fargo Active Cash Card
Wells Fargo Active Cash Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- $200
- First-year net
- +$0
- +$200
- Peak earning rate
- 3×
- —
- Top categories
- PayPal Purchases
- —
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- PayPal Cash Rewards
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.