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Side-by-side
PayPal Cashback Mastercard vs Target Circle Card Mastercard
Both are cashback travel cards. The PayPal Cashback Mastercard comes from Synchrony at $0/yr; the Target Circle Card Mastercard from TD Bank 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 | PayPal Cashback Mastercard | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back | |
| Bonus value (est.) | $200 | - |
| Min spend to unlock bonus | $500 in 3 mo | - |
| Issuer | Synchrony | TD Bank |
| Card category | cashback | cashback |
| Best earning category (Paypal_purchases) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
PayPal Cashback Mastercard
$0/yr · $200 cash back
Read the full review
Target Circle Card Mastercard
$0/yr ·
Editorial take: Target Circle Card Mastercard
Common questions
- Which card has the bigger sign-up bonus, PayPal Cashback Mastercard or Target Circle Card Mastercard?
- The PayPal Cashback Mastercard has a public bonus ($200 cash back, worth roughly $200), while the Target Circle Card Mastercard doesn't advertise one right now.
- Is the PayPal Cashback Mastercard's $0 annual fee worth it compared to the Target Circle Card Mastercard?
- The PayPal Cashback Mastercard has no annual fee, so the question is whether the Target Circle Card Mastercard's $0 fee is justified by its perks. If you'll use enough of the Target Circle Card Mastercard's benefits to clear $0 in value annually, it's worth it; otherwise stick with the PayPal Cashback Mastercard.
- Can I have both the PayPal Cashback Mastercard and Target Circle Card Mastercard?
- Yes, since they're from different issuers (Synchrony and TD Bank) 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 PayPal Cashback Mastercard or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PayPal Cashback Mastercard: $500 spend in 3 months. Target Circle Card Mastercard: no published min spend. 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.