Choice Privileges® Mastercard® vs PayPal Cashback Mastercard
Side-by-side comparison
| Choice Privileges® Mastercard® | PayPal Cashback Mastercard | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 60,000 points | No current offer |
| Dining | 1x | 1.5x |
| Groceries | 3x | 1.5x |
| Gas | 3x | 1.5x |
| Travel | 5x | 1.5x |
| Streaming | 1x | 1.5x |
| Everything else | 1x | 1.5x |
| Est. yearly rewards* | $527 | $437 |
| Points type | Locked to Choice Privileges | Cash back only |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Choice Privileges® Mastercard® earns about $527 a year in rewards and the PayPal Cashback Mastercard about $437, valuing every point at a flat 1 cent. The Choice Privileges® Mastercard® has no annual fee, so its rewards are all profit. The PayPal Cashback Mastercard has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Choice Privileges® Mastercard® delivers more total value, about $89 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Choice Privileges® Mastercard® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Choice Privileges® Mastercard® if your spending leans toward groceries, gas, travel. Pick the PayPal Cashback Mastercard if your spending leans toward dining, streaming, everything else.