| Rewards Program |
PayPal Rewards Program |
Citi Rewards Program |
| Primary & Additional Cardholder Annual Fee |
$0 |
$0 |
| Points Earn |
1 PayPal Point per $1 on all eligible domestic and international purchases per Statement Period, uncapped |
1 Citi reward Point per $1 on all eligible domestic and international purchases per Statement Period, uncapped |
| Pay with Rewards (PayPal checkout) |
Yes |
No |
| Pay with Points (redeem Points for statement credits on eligible purchases) |
Yes |
Yes |
| Concierge Services |
Yes |
Yes |
| Customer Service |
Chat only |
Call and chat options available |
| Online Banking |
PayPal Rewards Card Online |
Citi Online |
| Mobile Banking |
Yes - via PayPal Wallet |
Citi Mobile® App |
| PayPal Wallet |
Yes |
Yes |
| Mobile Wallet (i.e., Apple Pay, Samsung Pay) |
No |
No |
| Up to 55 days interest free (unless you have a balance transfer) |
Yes |
Yes |
| Up to 4 additional cards |
Yes |
Yes |
| Retail purchase rate |
20.99% p.a. |
20.99% p.a. |
| Cash advance rate |
21.74% p.a. |
21.74% p.a. |
Citi Ready Credit