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Synchrony PayPal Cashback Mastercard vs Venmo Credit Card

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. Venmo Credit Card · Pay with Venmo 3.0% 3%
  2. PayPal Cashback Mastercard 1.5% 1.5% base rate
  3. Venmo Credit Card 1.0% 1% base rate

Dining

  1. Venmo Credit Card 3.0% 3%
  2. PayPal Cashback Mastercard 1.5% 1.5% base rate

Groceries

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Gas

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Travel

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Online

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Drugstores

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Ground transportation

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Streaming

  1. Venmo Credit Card 3.0% 3%
  2. PayPal Cashback Mastercard 1.5% 1.5% base rate

Entertainment

  1. Venmo Credit Card 3.0% 3%
  2. PayPal Cashback Mastercard 1.5% 1.5% base rate

Wholesale clubs

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Amazon

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

PayPal

  1. PayPal Cashback Mastercard 3.0% 3%
  2. Venmo Credit Card 1.0% 1% base rate

Phone & internet

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Utilities

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Rent & mortgage

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Apple

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Department stores

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Electronics stores

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Furniture stores

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Clothing stores

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Sporting goods

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Home improvement

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Gyms

  1. Venmo Credit Card 3.0% 3%
  2. PayPal Cashback Mastercard 1.5% 1.5% base rate

Shipping

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Advertising

  1. PayPal Cashback Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

What the numbers are doing

Where they differ: Venmo Credit Card takes everything else, dining, streaming and entertainment, plus 1 more; PayPal Cashback Mastercard takes groceries, gas, travel and online, plus 17 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseVenmo Credit Card · Pay with Venmo3.0%
DiningVenmo Credit Card3.0%
GroceriesPayPal Cashback Mastercard1.5%
GasPayPal Cashback Mastercard1.5%
TravelPayPal Cashback Mastercard1.5%
OnlinePayPal Cashback Mastercard1.5%
DrugstoresPayPal Cashback Mastercard1.5%
Ground transportationPayPal Cashback Mastercard1.5%
StreamingVenmo Credit Card3.0%
EntertainmentVenmo Credit Card3.0%
Wholesale clubsPayPal Cashback Mastercard1.5%
AmazonPayPal Cashback Mastercard1.5%
PayPalPayPal Cashback Mastercard3.0%
Phone & internetPayPal Cashback Mastercard1.5%
UtilitiesPayPal Cashback Mastercard1.5%
Rent & mortgagePayPal Cashback Mastercard1.5%
ApplePayPal Cashback Mastercard1.5%
Department storesPayPal Cashback Mastercard1.5%
Electronics storesPayPal Cashback Mastercard1.5%
Furniture storesPayPal Cashback Mastercard1.5%
Clothing storesPayPal Cashback Mastercard1.5%
Sporting goodsPayPal Cashback Mastercard1.5%
Home improvementPayPal Cashback Mastercard1.5%
GymsVenmo Credit Card3.0%
ShippingPayPal Cashback Mastercard1.5%
AdvertisingPayPal Cashback Mastercard1.5%

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. Venmo Credit Card · Pay with Venmo — 3.0%
  2. PayPal Cashback Mastercard — 1.5%
  3. Venmo Credit Card — 1.0%

Dining

  1. Venmo Credit Card — 3.0%
  2. PayPal Cashback Mastercard — 1.5%

Groceries

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Gas

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Travel

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Online

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Drugstores

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Ground transportation

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Streaming

  1. Venmo Credit Card — 3.0%
  2. PayPal Cashback Mastercard — 1.5%

Entertainment

  1. Venmo Credit Card — 3.0%
  2. PayPal Cashback Mastercard — 1.5%

Wholesale clubs

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Amazon

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

PayPal

  1. PayPal Cashback Mastercard — 3.0%
  2. Venmo Credit Card — 1.0%

Phone & internet

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Utilities

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Rent & mortgage

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Apple

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Department stores

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Electronics stores

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Furniture stores

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Clothing stores

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Sporting goods

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Home improvement

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Gyms

  1. Venmo Credit Card — 3.0%
  2. PayPal Cashback Mastercard — 1.5%

Shipping

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Advertising

  1. PayPal Cashback Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%
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