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Atmos Rewards Visa Signature Business Card vs PayPal Cashback Mastercard
Both are well-respected travel cards. The Atmos Rewards Visa Signature Business Card comes from Bank of America at $70/yr; the PayPal Cashback Mastercard from Synchrony at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Atmos Rewards Visa Signature Business Card | PayPal Cashback Mastercard |
|---|---|---|
| Annual fee | $70 | $0 |
| Sign-up bonus | Not advertised | $200 cash back |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | - | $500 in 3 mo |
| Issuer | Bank of America | Synchrony |
| Card category | travel | cashback |
| Best earning category (Airline) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Atmos Rewards Visa Signature Business Card
$70/yr ·
Read the full review
PayPal Cashback Mastercard
$0/yr · $200 cash back
Editorial take: PayPal Cashback Mastercard
Common questions
- Which card has the bigger sign-up bonus, Atmos Rewards Visa Signature Business Card or PayPal Cashback Mastercard?
- The PayPal Cashback Mastercard has a public bonus ($200 cash back, worth roughly $200), while the Atmos Rewards Visa Signature Business Card doesn't advertise one right now.
- Is the Atmos Rewards Visa Signature Business Card's $70 annual fee worth it compared to the PayPal Cashback Mastercard?
- At $70/yr, the Atmos Rewards Visa Signature Business Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the PayPal Cashback Mastercard's, pick the one whose perks you'll actually use.
- Can I have both the Atmos Rewards Visa Signature Business Card and PayPal Cashback Mastercard?
- Yes, since they're from different issuers (Bank of America and Synchrony) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Atmos Rewards Visa Signature Business Card or the PayPal Cashback Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Atmos Rewards Visa Signature Business Card: no published min spend. PayPal Cashback Mastercard: $500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.