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Alliant Cashback Visa® Signature Card vs PayPal Cashback Mastercard®: Which Earns More?

Melvyn Kim
Founder & Editor · Published July 29, 2026
B.A. Economics

The verdict

On typical spending the Alliant Cashback Visa® Signature Card nets $720 a year after fees, $144 more than the PayPal Cashback Mastercard® at $576. The Alliant Cashback Visa® Signature Card stays ahead at every spending level we model.

Who earns more, by the numbers

Spending levelAlliant Cashback Visa® Signature CardPayPal Cashback Mastercard®Winner
Light spender ($1,200/mo)$360/yr$288/yrAlliant Cashback Visa® Signature Card
Typical spender ($2,400/mo)$720/yr$576/yrAlliant Cashback Visa® Signature Card
Heavy spender ($4,500/mo)$1,350/yr$1,080/yrAlliant Cashback Visa® Signature Card

Net of annual fees, typical category mix at baseline point values. The same card wins at every spending level here.

Alliant Cashback Visa® Signature Card

Alliant

3.5/5
Annual Fee:$0
APR:11.24%-23.24% variable
Welcome Bonus: No traditional welcome bonus
Rewards: Unlimited 2.5% cash back on every purchase
EARNS MORE ON TYPICAL SPEND

PayPal Cashback Mastercard®

Synchrony

3.5/5
Annual Fee:$0
APR:20.49%-29.99% variable
Welcome Bonus: No welcome bonus
Rewards: 3% cash back on PayPal purchases, 2% cash back everywhere else

The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.

FAQ

Which is better, the Alliant Cashback Visa® Signature Card or the PayPal Cashback Mastercard®?
On typical spending the Alliant Cashback Visa® Signature Card nets $720 a year after fees, $144 more than the PayPal Cashback Mastercard® at $576. The Alliant Cashback Visa® Signature Card stays ahead at every spending level we model.