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PayPal Cashback Mastercard vs U.S. Bank Business Altitude Power Visa Signature Card
Both are well-respected travel cards. The PayPal Cashback Mastercard comes from Synchrony at $0/yr; the U.S. Bank Business Altitude Power Visa Signature Card from U.S. Bank at $195/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the U.S. Bank Business Altitude Power Visa Signature Card is the stronger pick today, the sign-up bonus is meaningfully larger ($550 more in estimated value) than the PayPal Cashback Mastercard's. Get the U.S. Bank Business Altitude Power Visa Signature Card first; revisit the PayPal Cashback Mastercard after you've earned that bonus.
| Feature | PayPal Cashback Mastercard | U.S. Bank Business Altitude Power Visa Signature Card |
|---|---|---|
| Annual fee | $0 | $195 |
| Sign-up bonus | $200 cash back | 75,000 Altitude points |
| Bonus value (est.) | $200 | $750 |
| Min spend to unlock bonus | $500 in 3 mo | $10,000 in 4 mo |
| Issuer | Synchrony | U.S. Bank |
| Card category | 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
U.S. Bank Business Altitude Power Visa Signature Card
$195/yr · 75,000 Altitude points
Editorial take: U.S. Bank Business Altitude Power Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, PayPal Cashback Mastercard or U.S. Bank Business Altitude Power Visa Signature Card?
- The U.S. Bank Business Altitude Power Visa Signature Card has the bigger bonus, 75,000 Altitude points, worth roughly $750, versus $200 cash back (~$200) on the PayPal Cashback Mastercard.
- Is the PayPal Cashback Mastercard's $0 annual fee worth it compared to the U.S. Bank Business Altitude Power Visa Signature Card?
- The PayPal Cashback Mastercard has no annual fee, so the question is whether the U.S. Bank Business Altitude Power Visa Signature Card's $195 fee is justified by its perks. If you'll use enough of the U.S. Bank Business Altitude Power Visa Signature Card's benefits to clear $195 in value annually, it's worth it; otherwise stick with the PayPal Cashback Mastercard.
- Can I have both the PayPal Cashback Mastercard and U.S. Bank Business Altitude Power Visa Signature Card?
- Yes, since they're from different issuers (Synchrony and U.S. 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 U.S. Bank Business Altitude Power Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PayPal Cashback Mastercard: $500 spend in 3 months. U.S. Bank Business Altitude Power Visa Signature Card: $10,000 in 4 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.