My Personal Experience Using the PayPal Mastercard: A Game-Changer

PayPal Mastercard Review

I’ve been using the PayPal Mastercard for about three months now, and it has completely transformed the way I handle my finances. There are several perks that make this card stand out, and I’ve experienced firsthand just how beneficial it can be.

First, let me tell you about the 1.5% cashback you get every time you use the PayPal Mastercard—whether it’s online or in-person. The fact that this cashback applies to nearly every purchase is already a great deal. Whether I’m buying groceries, gas, or even making a big-ticket purchase, I’m getting rewarded consistently. It’s not just a small amount either; it really adds up over time, and I love knowing I’m getting a bit back from every transaction.

But the 3% cashback on PayPal purchases takes things to another level. With no limit, I can make PayPal payments for just about anything—be it products, services, or even subscriptions—and always earn a solid 3% back. This has proven to be a major win for me, especially when paying for items that I know I’ll use regularly. If you’re someone who shops online frequently or makes PayPal payments, this feature alone is a huge benefit that really makes the card worth having.

However, what really sets this PayPal Mastercard apart from others is the 3% cashback on PayPal Bill Pay transactions when the card is used as the funding source. Before I had the PayPal Mastercard, I never received any cashback when I paid my property taxes or other bills. But since I’ve been using the PayPal MC, I’ve received 3% back on my property taxes through PayPal Bill Pay—a truly game-changing benefit.

What’s more, I’ve also used the card to pay for my Con Edison electric bill. PayPal allows the PayPal MC as the funding source for some bills but blocks it for others. Even with those restrictions, I’m still earning 1.5% back on certain bills. This has added up significantly, and now I’m making about $100 in cashback every month just by paying my regular bills.

The beauty of the PayPal Mastercard is that it makes those mundane, monthly payments a little more rewarding. Whether you’re paying your rent, utilities, or taxes, you’re earning cashback, and it’s incredibly easy to use. I can confidently say that in terms of cashback cards, this one is probably the best, especially when you factor in the added bonus of using PayPal Bill Pay.

Overall, this card has exceeded my expectations, and I highly recommend it to anyone who wants to make the most of their regular payments and purchases. If you’re someone who already uses PayPal often, the PayPal Mastercard is a fantastic way to get even more value out of your transactions.

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