Citi Double Cash® Card vs PayPal Cashback Mastercard®
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
money8020 pick C Citi Double Cash® Card Citibank 99/100 | SB PayPal Cashback Mastercard® Synchrony Bank 82/100 | |
|---|---|---|
| Tier | Essential | Strong |
| Rewards rate | 2% | 1.5%–3% |
| Annual fee | $0 | $0 |
| Regular APR | 17.49%–27.49% | 18.74%–33.49% |
| Bonus | $200 | — |
| Annual fee | $0 | $0 |
| Best for | Cardholders who want cash back that fits their spending | Cardholders who want cash back that fits their spending |
| View profile | View profile |
Which should you choose: the Citi Double Cash® Card or the PayPal Cashback Mastercard®?
The Citi Double Cash® Card is the stronger pick of the two, with a money8020 score of 99/100 versus 82. Choose the PayPal Cashback Mastercard® instead if cardholders who want cash back that fits their spending.
On rewards rate, the Citi Double Cash® Card shows 2% versus the PayPal Cashback Mastercard®'s 1.5%–3%. On regular APR, the Citi Double Cash® Card shows 17.49%–27.49% versus the PayPal Cashback Mastercard®'s 18.74%–33.49%. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Citi Double Cash® Card vs PayPal Cashback Mastercard®: FAQ
Is the Citi Double Cash® Card or the PayPal Cashback Mastercard® better?
By our scoring, the Citi Double Cash® Card edges ahead with a money8020 score of 99/100 versus 82. The PayPal Cashback Mastercard® can still be the better fit if cardholders who want cash back that fits their spending.
What is the main difference between the Citi Double Cash® Card and the PayPal Cashback Mastercard®?
On rewards rate, the Citi Double Cash® Card offers 2% while the PayPal Cashback Mastercard® offers 1.5%–3%. Review the full table above and confirm current terms with each provider. This is not financial advice.