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eBay Extras MasterCard
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What happened to the eBay Extras MasterCard?
After eBay replaced PayPal as its' primary payment processor in 2018, Synchrony Bank was forced to stop issuing the Extras MasterCard and create a new credit card offer as a PayPal account is required to use the Extras account.

Current cardholders may still use this credit account to make purchases and pay their bill through PayPal as they are ineligible to apply for the new eBay MasterCard.

Annual Percentage Rate (APR)

Purchases: 20.74% or 24.74%
Cash Advance: 27.74%
Minimum Interest Charge: $1.50

Credit Card Fees

Annual: None
Cash Advance: Either $5 or 3% of amount advanced, whichever is higher.
Foreign Transaction: 3%
Late Payment: Up to $38

Sign-up Bonus and Benefits

Bonus Opportunity

Make at least one purchase within 1 month of opening account to receive a $30 credit on your statement.
  • This card requires an active PayPal account
  • 3 points per dollar spent on gas and restaurant
  • 2 points per dollar spent online at eBay and PayPal
  • 1 point per dollar spent on everything else
  • Redeem points for PayPal cash, airline tickets, hotel stays, gift cards, and more
  • Card members can earn up to 50,000 points in a year
  • Points expire if no purchases are made in a 12 month period or PayPal account is closed


This credit card offer is no longer available for new customers.
Card Issuer: Synchrony Bank
Where can I make purchases with my eBay MasterCard? At,, and everywhere MasterCard is accepted.
Pay Your Bill Online at

Editor review

The eBay Extras MasterCard compliments the most avid eBay shopper.
Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel October 21, 2016
Last updated: July 13, 2019
#1 Reviewer  -   View all my reviews (24)

The eBay Extras MasterCard compliments the most avid eBay shopper.

Do You Recommend This Credit Card?

After calculating this card's benefits, fees, and interest rate; I'd say this is an average rewards credit card. The different redemption options helps separate it from other cards. If you love shopping on eBay, and are looking for a card that offers many options to spend your points on this card might be right for you.
The avid eBay shopper that will use this card for their eBay, gas, and restaurant purchases unless you already own a better gas rewards card.

Is The Interest Rate Competitive

The MasterCard's interest rate is a tad on the costly side, but remains within an acceptable range as far as reward credit cards are concerned. I did give the APR a 4 out of 5 rating because this credit card is no long accepting new applications and card holders who own this card will have a lower interest rate compared to newer credit card offers.

How Do You Like the Rewards

The amount of points you gain on purchases is near the average for this type of credit card. Oddly enough you don't earn the most points per dollar spent on eBay purchases; in fact the most points a card member earns is 3 per dollar spent on gas and restaurant charges, whereas the aforementioned purchases will net you 2 points per dollar spent. One of the better features of this card is the variety of rewards account holders can redeem their points for. You can choose from an easy $50 deposit into your PayPal account, gift cards to your favorite stores, airline tickets to faraway places, hotels, and vacations. Airline tickets, hotel reservations, and vacation packages are reserved through Loyalty Travel Services. You may check the available redemption options online through or by calling 866-300-6432.
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  • Interest Rate (APR)
  • Fees
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Do You Recommend This Credit Card?
Is The Interest Rate Competitive
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