Top Rated Credit Cards - ApplyNowCredit.com

Top Rated - Credit Cards

Consumers in the market for a credit card may run into one problem: comparing hundreds of offers with the idea of choosing the right one. You’ll come to realize that credit cards that feature top benefits like Cash Back, Rewards, Points can be plentiful, but quite confusing when it comes to redeeming those perks. We've eliminated the hassle by only partnering with card providers that offer the most competitive offers based on rewards. Listed below are cards offering rewards up to 3% or triple rewards. These cards are definitely worth taking a closer look.

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Top Rated

PayPal Cashback Mastercard®

Shop at millions of brands with PayPal to earn unlimited 3% cash back

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair - Excellent
  • Rewards : Earn 3% cash back on PayPal purchases and 1.5% everywhere else Mastercard is accepted
  • Annual Fee : $0.00
  • Regular APR : 19.24%, 30.99%, or 33.99% Variable, rates as of 3/1/25
  • Updated for : Fri 09 May 2025
  • More Details : View Card Page

Highlights

  • Earn 3% cash back on PayPal purchases and 1.5% everywhere else Mastercard is accepted. Purchases are subject to credit approval, and the PayPal Cashback Mastercard® must be used for payment. See Rewards Program Terms for details and eligibility criteria.
  • With the PayPal Cashback Mastercard, earn unlimited cash back at millions of merchants.
  • No restrictions. No rotating categories. No annual fee1.
  • Shop at millions of brands with PayPal to earn unlimited 3% cash back.
  • Earn rewards without the wait. Cash back is earned daily on completed purchases posted to your account. Redeem it to your PayPal balance, and spend it however you want. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
  • Enjoy peace of mind with Mastercard benefits from Tap & Go® to 24/7 Identity Theft Protection™.
  • Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.
  • 1See Terms and Rates for New Accounts
  • The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
  • The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

Card Details Page

Additional Resources

Top Credit Card Perks Associated with Excellent Credit

Credit Card Perks
According to Experian, an excellent or exceptional credit score falls between 800 and 850. While only 20 percent of consumers have an excellent score, if you’re lucky enough to reach this level it will provide you with a variety of financial benefits. This is particularly true when applying for a credit card. There are credit card offers designed for every type of consumer, regardless of credit score. For example, if you have poor credit, you can use a secured credit
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What are the Benefits of Cash Back Credit Cards?

Cash Back Credit Cards
Cash back Credit cards - As you begin your search for the perfect credit card, it makes sense to focus on those that give you something in return for using it. And that’s why cash back and rewards credit cards have become so popular over the years. Before you apply for cash back credit cards, it’s a good idea to compare the finer details of three to five offers. This gives you a solid overview of what’s available, thus helping
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Do You Have Good Credit? Questions to Help You Choose the Right Card
If you have poor (under 580) or fair (580 to 669) credit, you typically have to take what you can get when applying for a credit card. In fact, you may even have to rely on a secured credit card (requires a cash deposit as collateral) until your score is high enough to obtain an unsecured credit card. Conversely, if you have good or excellent credit, there are many more offers to consider. Knowing what to look for will go
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Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

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