Difference Between PayPal Mastercard and Citi Double Cash

PayPal Mastercard and Citi Double Cash are two credit cards with similar features. They are direct competitors with a 2% cashback offer on all purchases.

They do not have any annual fee or a sign-up bonus. The difference lies in the reward claiming options and APRs.

To get a PayPal Mastercard, it is mandatory to have a PayPal account. In 7-10 working days, the card is received after the approval of the application.

Citi Double Cash has no cashback cap. It has an APR of 0% intro for 18 months on BT. Online application is available for Citi Double cash card.

PayPal Mastercard vs Citi Double Cash 

The main difference between PayPal Mastercard and Citi Double Cash is that PayPal Mastercard doesn’t require a minimum amount to claim the rewards. On the other hand, Citi Double Cash has a point criteria for claiming the rewards. Both these cards offer 2% cashback with no annual fee or welcome bonuses.

PayPal Mastercard vs Citi Double Cash

PayPal Mastercard is a credit card that offers a cash-back of 2% for its customers. Synchrony Bank issues the PayPal Mastercard. It is applicable for all customer purchases.

There are two such credit cards: PayPal Cashback Mastercard and PayPal Extras Mastercard.

Citi Double Cash is a cashback credit card. It has no annual fee. Users can earn up to 2% cashback. There are no limits for cashback earnings.

The card has a relatively simple reward system. 1% cashback is issued when a purchase is made, and the other 1% is issued when the card is paid off. Every purchase can qualify for this reward. 

Comparison Table Between PayPal Mastercard and Citi Double Cash

Parameters of ComparisonPayPal MastercardCiti Double Cash
Foreign Transaction FeeNone3%
Minimum Redemption RequirementsAbsentPresent
Redeeming OptionsThrough PayPal accountCheck, Statement credit, or direct deposit
Reward Limit PresentAbsent
Cashback SystemDirect 2% cashbackSplit reward system

What is PayPal Mastercard?

The PayPal Cashback Mastercard has a cash rewards program that enables its users to get a guaranteed cashback of 2% on every purchase.

Although there are certain criteria for qualifying purchases, no limitations are kept on the types of purchases.

Users can directly link their PayPal Cashback Mastercard to their PayPal accounts and use it as an everyday spend card to earn maximum bonuses. Users can redeem the cashback monthly.

PayPal Extras Mastercard has a specific category-wise point distribution that the users can earn according to their spending on each area.

A cardholder can only earn 50,000 points in a year. It can be redeemed as gift cards, travel vouchers, or as direct cash back into the user’s PayPal account.

Any user can own either one type of these PayPal Mastercard. It can be used for online as well as offline purchases where the card is accepted.

PayPal Mastercard is available only for people who live in the US or its territories.

PayPal Cashback Mastercard has multiple benefits. There are no foreign transaction fees.

Users who travel abroad can take advantage of this feature. The PayPal protection and free card monitoring are other gains. 

What is Citi Double Cash?

Citi Double Cash is an option that gives excellent cashback effortlessly. It is a credit card Citibank based in the US. It gives Cardmembers cashback rewards.

The rewards expire if the user has not acquired any cashback within 12 months. This card is ideal for someone who has a lot of daily expenditure as they can pay off the credit monthly.

When a minimum reward is earned, the user can redeem the reward as a direct deposit, check or statement credit. Users can convert the rewards into points using the Citi Thankyou Points loyalty reward.

These points are transferrable using Citi ThankYou Points-earning cards. 

Customers can reap multiple benefits using the Citi Double Cash card. With efficient customer support, availability of digital wallets, fraud protection, and identity theft solutions, this card is an ideal option for users who make their minimum payments on time. 

A foreign transaction fee is 3%. For delayed payments and payment returns, a penalty is issued. Citi Entertainment is another benefit of using this card.

Users can get access to presale tickets and events. Users get 0% APR for the first 18 billing cycles as an introductory offer.

Main Differences Between PayPal Mastercard and Citi Double Cash

  1. PayPal Mastercard has a reward limit. Citi Double Cash has no limits for reward earnings.
  2. PayPal Mastercard doesn’t have minimum spend criteria for claiming the reward. But Citi Double Cash has fixed criteria for redeeming the rewards.
  3. There is a 3% foreign transaction fee for Citi Double Cash. PayPal Mastercard doesn’t have a foreign transaction fee.
  4. A PayPal account is necessary for redeeming PayPal Mastercard rewards. While Citi Double Cash offers a range of redemption options, including check and statement credit.
  5. The cashback of the PayPal Mastercard is 2% on everything without any category concerns. But Citi Double cash has a split reward system. Up to 1% of the cashback is given when the purchase is made and the rest when the bill is paid.


PayPal Mastercard and Citi Double Cash are credit cards offered by two different banking groups in the US. It is for people who reside in the US and its territories.

Both these cards provide 2% cashback on every purchase. With zero annual fee and welcome bonus, these cards are similar in some ways.

These credit cards don’t have many category concerns. Although both don’t provide cashback for cash advances, convenience checks, unauthorized purchases, and balance transfers, all other purchases are eligible for cashback.

PayPal users can benefit from the PayPal Mastercard as it has a high cash back rate.

Citi Double Cash gives unlimited cashback opportunities. After the first 18 months, the purchase APR is determined by the user’s creditworthiness.

It usually ranges from 13.99% to 23.99% variable. Both have a late payment fee and an interest-free period of 23 days.


  1. https://link.springer.com/chapter/10.1007/978-3-658-03251-7_7
  2. http://koha.isra.edu.pk:8080/jspui/handle/123456789/76
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