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Synchrony OnePay CashRewards Mastercard vs PayPal Cashback Mastercard

Both are Synchrony cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. PayPal Cashback Mastercard 1.5% 1.5% base rate

PayPal

  1. PayPal Cashback Mastercard 3.0% 3%
  2. OnePay CashRewards Mastercard 1.5% 1.5% base rate

What the numbers are doing

Where they differ: PayPal Cashback Mastercard takes paypal. OnePay CashRewards Mastercard wins nothing outright in this wallet.

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Pass content preview
CategoryBest card
Everything elseOnePay CashRewards Mastercard1.5%
PayPalPayPal Cashback Mastercard3.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. OnePay CashRewards Mastercard — 1.5%
  2. PayPal Cashback Mastercard — 1.5%

PayPal

  1. PayPal Cashback Mastercard — 3.0%
  2. OnePay CashRewards Mastercard — 1.5%
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