Ink Business Cash® vs PayPal Cashback Mastercard
Side-by-side comparison
| Ink Business Cash® | PayPal Cashback Mastercard | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | No current offer | |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 5% | 1.5% |
| Phone & internet | 5% | 1.5% |
| Travel | 1% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $684 | $675 |
| Points type | Pools with Chase → transferable | Cash back only |
| Network | Visa | 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 Ink Business Cash® earns about $684 a year in rewards and the PayPal Cashback Mastercard about $675, valuing every point at a flat 1 cent. The Ink Business Cash® has no annual fee, so its rewards are all profit. The PayPal Cashback Mastercard has no annual fee, so its rewards are all profit. The two are close on value, but the Ink Business Cash® edges ahead by about $9 a year, mostly because it earns more where you spend most, on office supplies and phone & internet. The bigger difference is the ceiling: the Ink Business Cash® earns points you can move to travel partners for outsized value, while the PayPal Cashback Mastercard pays plain cash back. Favor the Ink Business Cash® if you will use travel transfers, the PayPal Cashback Mastercard if you want simplicity. On the sign-up bonus, the Ink Business Cash® 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 Ink Business Cash® if your spending leans toward office supplies, phone & internet. Pick the PayPal Cashback Mastercard if your spending leans toward advertising, shipping, travel.