PayPal Extras Mastercard

This card is worth a look if your spending is concentrated in dining, gas, PayPal, and eBay, and you want a $0 annual fee card that gives those categories a little more weight than general spending. For a light, uncomplicated setup, that can be enough to make it useful, especially if you already use PayPal often.

For most readers, though, this is more of a supporting card than a main one. The 3% categories are solid for a no-fee card, but 1% everywhere else is easy to outgrow, and there are no listed benefits to add value beyond the rewards alone. If your goal is simple everyday cash back across all spending, a stronger flat-rate card will usually be a better long-term fit.