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Synchrony PayPal Cashback Mastercard vs Sam's Club 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. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Sam's Club Mastercard 1.0% 1% base rate

Dining

  1. Sam's Club Mastercard 3.0% 3%
  2. PayPal Cashback Mastercard 1.5% 1.5% base rate

Gas

  1. Sam's Club Mastercard 5.0% 5%, capped
  2. PayPal Cashback Mastercard 1.5% 1.5% base rate

Wholesale clubs

  1. Sam's Club Mastercard 3.0% 3%
  2. PayPal Cashback Mastercard 1.5% 1.5% base rate

PayPal

  1. PayPal Cashback Mastercard 3.0% 3%
  2. Sam's Club Mastercard 1.0% 1% base rate

What the numbers are doing

Sam's Club Mastercard's 5% on gas runs out: it applies to the first $6,000 of gas spend a year, and everything past that earns 1%.

Abroad the answer flips: PayPal Cashback Mastercard charges a 3% foreign transaction fee, so once that comes off the rate Sam's Club Mastercard is the better card for everyday spend.

Where they differ: PayPal Cashback Mastercard takes everything else and paypal; Sam's Club Mastercard takes dining, gas and wholesale clubs.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elsePayPal Cashback Mastercard1.5%
DiningSam's Club Mastercard3.0%
GasSam's Club Mastercard5.0%
Wholesale clubsSam's Club Mastercard3.0%
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. PayPal Cashback Mastercard — 1.5%
  2. Sam's Club Mastercard — 1.0%

Dining

  1. Sam's Club Mastercard — 3.0%
  2. PayPal Cashback Mastercard — 1.5%

Gas

  1. Sam's Club Mastercard — 5.0%
  2. PayPal Cashback Mastercard — 1.5%

Wholesale clubs

  1. Sam's Club Mastercard — 3.0%
  2. PayPal Cashback Mastercard — 1.5%

PayPal

  1. PayPal Cashback Mastercard — 3.0%
  2. Sam's Club Mastercard — 1.0%
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