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PayPal Cashback Mastercard vs Citi Double Cash

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Citi Double Cash leads by 26.6 pts. Scores: PayPal Cashback Mastercard 43.7%, Citi Double Cash 70.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): PayPal Cashback Mastercard nets $382/yr, Citi Double Cash nets $461/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeMastercard: 10.0 · Cash: 10.0
• Rewards rateMastercard: 6.8 · Cash: 9.5
• Sign-up bonusMastercard: 0.0 · Cash: 2.7
• Intro 0% APRMastercard: 0.0 · Cash: 8.6
• Regular APRMastercard: 5.8 · Cash: 7.4
• Foreign transaction feeMastercard: 3.0 · Cash: 3.0
• Regulatory record (CFPB)Mastercard: n/a · Cash: 8.0

Downsides

• PayPal Cashback Mastercard43.7%
  Synchrony · cash back
  Annual fee $0APR 18.49%–33.24% variableRewards 1.5% base; 3% onlineCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 33.24% if you carry a balance · Late fee up to $40

• Citi Double Cash70.3%
  Citi · cash back
  Annual fee $0APR 18.49%–28.74% variableRewards 2% on purchases (1% when you buy + 1% as you pay); 5% total on Citi Travel hotels, cars, attractionsCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, PayPal Cashback Mastercard or Citi Double Cash?

On VaultRubric's rubric: Citi Double Cash scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.