PayPal Cashback Mastercard® vs. Citi Double Cash® Card
If you want to earn cash back on every purchase but need more flexible redemption options, we recommend the Citi Double Cash® Card over the PayPal Cashback Mastercard®.
The rewards rate on general purchases is similar: The Citi Double Cash® Card lets you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. But compared to the PayPal Cashback Mastercard®, the Citi Double Cash® Card offers more ways to redeem your cash back rewards. Its redemption options include checks, statement credits, direct deposits, gift cards, travel and merchandise at Amazon.com.
Best for balance transfers:
Where the Citi Double Cash®
Card stands out the most is its balance transfer offer
. Cardholders receive an introductory APR of 0% for 18 months on balance transfers – essentially giving you a year and a half to pay off the transfer before incurring interest. Once the promotional period ends, the regular APR of 19.24% - 29.24% (variable) applies.
PayPal Cashback Mastercard® vs. Discover it® Cash Back
If you want more generous cash back rates and are willing to put in a little legwork to get them, consider the Discover it® Cash Back. You’ll earn Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Redeem your rewards for cash at any time..
With the Discover it® Cash Back, you’ll have to track and activate bonus categories each quarter in order to earn the higher rewards rate. While earning your rewards is a bit more complex, redeeming them is simple – you can deposit them directly into your bank account or apply them as a statement credit. You can also redeem points for gift cards or charitable donations.
Best for maximizing rewards:
The Discover it®
Cash Back is worth a spot in your wallet if you’re looking for a card with high rewards rates
and a valuable sign-up bonus
. With this card, you’ll get an unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
PayPal Cashback Mastercard® vs. Chase Freedom Unlimited®
If you want a card that offers generous rewards rates on general purchases and bonus categories like travel and dining, you should look at the Chase Freedom Unlimited®.
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.