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Capital One Venture X Business vs PayPal Cashback Mastercard
Both are well-respected travel cards. The Capital One Venture X Business comes from Capital One at $395/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
If you're not sure you'll use premium perks, start with the PayPal Cashback Mastercard, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | Capital One Venture X Business | PayPal Cashback Mastercard |
|---|---|---|
| Annual fee | $395 | $0 |
| Sign-up bonus | 150,000 bonus miles | $200 cash back |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | $30,000 in 3 mo | $500 in 3 mo |
| Issuer | Capital One | Synchrony |
| Card category | travel | cashback |
| Best earning category (Other) | 2x | 1x |
| Transfer partners | capital-one | None |
| Headline benefits |
Read the full review
Capital One Venture X Business
$395/yr · 150,000 bonus miles
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, Capital One Venture X Business or PayPal Cashback Mastercard?
- The PayPal Cashback Mastercard has a public bonus ($200 cash back, worth roughly $200), while the Capital One Venture X Business doesn't advertise one right now.
- Is the Capital One Venture X Business's $395 annual fee worth it compared to the PayPal Cashback Mastercard?
- At $395/yr, the Capital One Venture X Business 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 Capital One Venture X Business and PayPal Cashback Mastercard?
- Yes, since they're from different issuers (Capital One 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 Capital One Venture X Business or the PayPal Cashback Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture X Business: $30,000 spend in 3 months. 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.