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Side-by-side
Chime Credit Builder Secured Visa vs PayPal Cashback Mastercard
Both are well-respected travel cards. The Chime Credit Builder Secured Visa comes from Chime at $0/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 | Chime Credit Builder Secured Visa | PayPal Cashback Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | None | $200 cash back |
| Bonus value (est.) | $0 | $200 |
| Min spend to unlock bonus | $0 in 0 mo | $500 in 3 mo |
| Issuer | Chime | Synchrony |
| Card category | secured | cashback |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Chime Credit Builder Secured Visa
$0/yr · None
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, Chime Credit Builder Secured Visa or PayPal Cashback Mastercard?
- The PayPal Cashback Mastercard has the bigger bonus, $200 cash back, worth roughly $200, versus None (~$0) on the Chime Credit Builder Secured Visa.
- Is the Chime Credit Builder Secured Visa's $0 annual fee worth it compared to the PayPal Cashback Mastercard?
- The Chime Credit Builder Secured Visa has no annual fee, so the question is whether the PayPal Cashback Mastercard's $0 fee is justified by its perks. If you'll use enough of the PayPal Cashback Mastercard's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Chime Credit Builder Secured Visa.
- Can I have both the Chime Credit Builder Secured Visa and PayPal Cashback Mastercard?
- Yes, since they're from different issuers (Chime 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 Chime Credit Builder Secured Visa or the PayPal Cashback Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chime Credit Builder Secured Visa: $0 spend in 0 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.