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Side-by-side
PayPal Cashback Mastercard vs United Business Card
Both are well-respected travel cards. The PayPal Cashback Mastercard comes from Synchrony at $0/yr; the United Business Card from Chase at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,300 more in estimated value) than the PayPal Cashback Mastercard's. Get the United Business Card first; revisit the PayPal Cashback Mastercard after you've earned that bonus.
| Feature | PayPal Cashback Mastercard | United Business Card |
|---|---|---|
| Annual fee | $0 | $150 |
| Sign-up bonus | $200 cash back | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $200 | $1,500 |
| Min spend to unlock bonus | $500 in 3 mo | $5,000 in 3 mo |
| Issuer | Synchrony | Chase |
| Card category | cashback | business |
| 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
United Business Card
$150/yr · 100,000 miles + 2,000 PQP
Editorial take: United Business Card
Strong United business card. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit help cover the $150 AF for any United-leaning small business. The 100k + 2,000 PQP bonus is the sweetener. Post-2025 refresh swapped the old $100/$10k-spend credit for a $125 travel credit unlocked by 5 United flight purchases of $100+.
Common questions
- Which card has the bigger sign-up bonus, PayPal Cashback Mastercard or United Business Card?
- The United Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus $200 cash back (~$200) on the PayPal Cashback Mastercard.
- Is the PayPal Cashback Mastercard's $0 annual fee worth it compared to the United Business Card?
- The PayPal Cashback Mastercard has no annual fee, so the question is whether the United Business Card's $150 fee is justified by its perks. If you'll use enough of the United Business Card's benefits to clear $150 in value annually, it's worth it; otherwise stick with the PayPal Cashback Mastercard.
- Can I have both the PayPal Cashback Mastercard and United Business Card?
- Yes, since they're from different issuers (Synchrony and Chase) 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 United Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PayPal Cashback Mastercard: $500 spend in 3 months. United Business Card: $5,000 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.