The PayPal Cashback Master is a personal credit card from PayPal Cashback Master. The annual fee is $0 — no annual fee. The ongoing APR is ~19.99%+ variable (credit-based). Approval typically requires a credit score of Fair (580+) or higher. Rewards: 3% back with PayPal checkout, 1.5% back everywhere else. Cash back: 3% cash back when you check out with PayPal and 1.5% on all other Mastercard purchases.. This product reports activity to your personal credit report. Pre-qualification available (soft pull). BT Fee: Not available. Post-intro APR: ~19.99%+ variable (credit-based)