The ubiquity of PayPal checkout means you'll have many chances to snag a high rewards rate. Non-PayPal purchases, though, earn a less-spectacular rate, and the card lacks a few key features.

The combined 2% rewards rate — 1% when you make a purchase and 1% when you pay it off — is among the best on any cash-back card, especially for an annual fee of $0. Many or all of the products ...