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Best Credit Card for PayPal in 2026

We ranked every major cash back credit card by what you actually earn at PayPal. The top pick earns 5% — here's the full breakdown.

8 cards earning 2%+ at PayPal · sorted by highest cash back · updated Q1 2026

1
Citi Custom Cash® Card
Citi Custom Cash® Card
Citi
5% auto-detects your top spend category (up to $500/mo)
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #1: Top pick: earns 5% cash back at PayPal — the highest rate available. No annual fee required.

2
AMEX
Blue Cash Everyday® Card from Amex
American Express
3% on U.S. online retail purchases (up to $6,000/yr)
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #2: Solid 3% cash back at PayPal with no activation needed. No annual fee — easy to hold long-term.

3
Bank of America® Customized Cash Rewards
Bank of America® Customized Cash Rewards
Bank of America
3% on your chosen category (gas, online shopping, dining, travel, drug stores, or home improvement)
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #3: Solid 3% cash back at PayPal with no activation needed. No annual fee — easy to hold long-term.

4
VISA
Robinhood Gold Card
Robinhood / Sutton Bank
3% unlimited cash back on all purchases — no categories, no caps. ⚠️ Requires Robinhood Gold subscription ($5/mo). Effective rate is ~3% if you spend $6,000+/yr; otherwise the subscription cost reduces net earnings.
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #4: Solid 3% cash back at PayPal with no activation needed. No annual fee — easy to hold long-term.

5
PayPal Cashback Mastercard®
PayPal Cashback Mastercard®
Synchrony / PayPal
3% cash back when you check out with PayPal
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #5: Solid 3% cash back at PayPal with no activation needed. No annual fee — easy to hold long-term.

6
AMEX
Blue Cash Preferred® Card from Amex
American Express
3% on U.S. online retail (up to $6,000/yr)
Annual fee: $95/yr
3%
cash back
Apply Now — Earn 3% at This Store →

Why #6: Solid 3% cash back at PayPal with no activation needed. $95/yr annual fee.

7
Alliant Cashback Visa® Signature Card
Alliant Cashback Visa® Signature Card
Alliant Credit Union
2.5% unlimited cash back on all purchases (Tier 1 member; requires $1,000 avg daily balance in Alliant checking)
Annual fee: No annual fee
2.5%
cash back
Apply Now — Earn 2.5% at This Store →

Why #7: Earns 2.5% on all purchases including PayPal. A reliable flat-rate card with no hoops to jump through.

8
Citi Double Cash® Card
Citi Double Cash® Card
Citi
2% on everything (1% when you buy + 1% when you pay)
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #8: Earns 2% on all purchases including PayPal. A reliable flat-rate card with no hoops to jump through.

Frequently Asked Questions

What is the best credit card to use at PayPal?

The best card at PayPal right now is the Citi Custom Cash® Card, earning 5% cash back. 5% auto-detects your top spend category (up to $500/mo)

Does any credit card offer more than 2% at PayPal?

Yes — the Citi Custom Cash® Card at 5%, the Blue Cash Everyday® Card from Amex at 3%, the Bank of America® Customized Cash Rewards at 3% all earn above 2% at PayPal.

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Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.