PayPal Cashback Mastercard vs. Wells Fargo Reflect Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
PayPal Cashback Mastercard
Synchrony
Wells Fargo Reflect Card
Wells Fargo
PayPal Cashback Mastercard and Wells Fargo Reflect Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
PayPal Cashback Mastercard wins on earning ceiling; Wells Fargo Reflect Card wins on travel insurance.
Who wins what
1 vs 1 (2 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 PayPal Cashback Mastercard
PayPal Cashback Mastercard earns more on its best category (3× vs 0×).
- Travel insurance Wells Fargo Reflect Card
Wells Fargo Reflect Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- 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
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.