PayPal Business Cashback Mastercard®
How we calculate effective rate →
The PayPal Business Cashback Mastercard® from WebBank earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2% back.
What does the PayPal Business Cashback Mastercard earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how PayPal Business Cashback Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how PayPal Business Cashback Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the PayPal Business Cashback Mastercard?
The PayPal Business Cashback Mastercard fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back.
PayPal Business Cashback Mastercard fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
Does the PayPal Business Cashback Mastercard have an annual fee?
The PayPal Business Cashback Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
Related encyclopedia topics
Common questions about the PayPal Business Cashback Mastercard
Does the PayPal Business Cashback Mastercard have an annual fee?
The PayPal Business Cashback Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the PayPal Business Cashback Mastercard?
Dining is the strongest Madeen category for the PayPal Business Cashback Mastercard at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the PayPal Business Cashback Mastercard charge foreign transaction fees?
The PayPal Business Cashback Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the PayPal Business Cashback Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the PayPal Business Cashback Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the PayPal Business Cashback Mastercard?
Rewards on the PayPal Business Cashback Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the PayPal Business Cashback Mastercard?
To maximize the PayPal Business Cashback Mastercard, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the PayPal Business Cashback Mastercard compare to similar cards?
Compare the PayPal Business Cashback Mastercard against The Gemini (3% on Dining, $0 fee); Capital on Tap Business Card (1.5% on Dining, $0 fee); Petal 2 Visa (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
PayPal Business Cashback Mastercard This card | Dining | 2% | $0 |
WebBank | Dining | 3% | $0 |
WebBank | Dining | 1.5% | $0 |
WebBank | Dining | 1.5% | $0 |
| Dining | 1% | $0 |
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Madeen may earn compensation from apply links. Affiliate disclosure