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PayPal Cashback Mastercard® vs Citi® Double Cash Card

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Megan Horner

Updated Jan 3, 2021

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	PayPal Cashback Mastercard® Rates & Fees	Citi® Double Cash Card Rates & Fees
finder.com's rating
finder.com's rating	Not rated yet	★★★★★ 3.8 / 5.0
Best for
Best for	High cashback rate with a PayPal account	Highest unlimited cash back
Welcome offer
Welcome offer	N/A	N/A
Rewards
Rewards	2% cash back on all purchases	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Purchase APR
Purchase APR	19.99%, 23.99% or 26.99% variable	13.99% to 23.99% variable
Annual fee
Annual fee	$0	$0
Balance transfer APR
Balance transfer APR	N/A	0% intro APR for 18 months, then 13.99% to 23.99% variable
Cash advance
Cash advance	APR: 26.99% variable Fee: $5 or 3% of the transaction, whichever is greater	APR: 25.24% variable Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee	None	3% of each transaction
Late payment fee
Late payment fee	Up to $39	Up to $40
Additional cardholder fee
Additional cardholder fee		$0
Interest-free period
Interest-free period	23 days	23 days
Minimum interest
Minimum interest	$1.50	$0.50
Minimum credit score
Minimum credit score	740	740
Card type
Card type	Credit	Credit
Learn more
Learn more		Read review

Summary of card features

PayPal Cashback Mastercard®

2% cash back on all purchases
No annual fee
Price protection
No foreign transaction fees

Citi® Double Cash Card

Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.

Compare PayPal Cashback Mastercard® vs. Citi® Double Cash Card

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
PayPal Cashback Mastercard®		N/A	2% cash back on all purchases	$0		Earn 2% cash back on all purchases. Rates & fees	View details	Compare	loading Fetching your data...
Citi® Double Cash Card		N/A	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	$0		Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.	Apply now View details	Compare	loading Fetching your data...

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Megan Horner

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

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PayPal Cashback Mastercard® vs Citi® Double Cash Card