Delta SkyMiles® Gold Business vs PayPal Cashback Mastercard
Side-by-side comparison
| Delta SkyMiles® Gold Business | PayPal Cashback Mastercard | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | No current offer | |
| Advertising | 2% | 1.5% |
| Shipping | 2% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 1% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $654 | $675 |
| Points type | Locked to Delta SkyMiles | Cash back only |
| Network | Amex | 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 business spending, the Delta SkyMiles® Gold Business earns about $654 a year in rewards and the PayPal Cashback Mastercard about $675, valuing every point at a flat 1 cent. The Delta SkyMiles® Gold Business charges $150, which you clear through its rewards and perks. The PayPal Cashback Mastercard has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the PayPal Cashback Mastercard delivers more total value, about $171 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and office supplies. 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 Delta SkyMiles® Gold Business currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Delta SkyMiles® Gold Business if your spending leans toward advertising, shipping, travel. Pick the PayPal Cashback Mastercard if your spending leans toward office supplies, phone & internet, everything else.