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Side-by-side
PayPal Cashback Mastercard vs TD First Class Visa Signature Credit Card
Both are well-respected travel cards. The PayPal Cashback Mastercard comes from Synchrony at $0/yr; the TD First Class Visa Signature Credit Card from TD Bank at $89/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 | TD First Class Visa Signature Credit Card |
|---|---|---|
| Annual fee | $0 | $89 |
| Sign-up bonus | $200 cash back | 25,000 bonus miles |
| Bonus value (est.) | $200 | $250 |
| Min spend to unlock bonus | $500 in 3 mo | $3,000 in 6 mo |
| Issuer | Synchrony | TD Bank |
| Card category | cashback | travel |
| 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
TD First Class Visa Signature Credit Card
$89/yr · 25,000 bonus miles
Editorial take: TD First Class Visa Signature Credit Card
Common questions
- Which card has the bigger sign-up bonus, PayPal Cashback Mastercard or TD First Class Visa Signature Credit Card?
- The TD First Class Visa Signature Credit Card has the bigger bonus, 25,000 bonus miles, worth roughly $250, versus $200 cash back (~$200) on the PayPal Cashback Mastercard.
- Is the PayPal Cashback Mastercard's $0 annual fee worth it compared to the TD First Class Visa Signature Credit Card?
- The PayPal Cashback Mastercard has no annual fee, so the question is whether the TD First Class Visa Signature Credit Card's $89 fee is justified by its perks. If you'll use enough of the TD First Class Visa Signature Credit Card's benefits to clear $89 in value annually, it's worth it; otherwise stick with the PayPal Cashback Mastercard.
- Can I have both the PayPal Cashback Mastercard and TD First Class Visa Signature Credit Card?
- 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 TD First Class Visa Signature Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PayPal Cashback Mastercard: $500 spend in 3 months. TD First Class Visa Signature Credit Card: $3,000 in 6 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.