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PayPal Extras MasterCard

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3.8
 
0.7 (1)
 
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About

The PayPal Extras MasterCard gives members a credit card that rewards them for every PayPal and eBay purchase. The rewards program offers a wide range of redemption options with points being exchangeable for airline tickets, cash back, hotel stays, gift cards, and more.

Please keep in mind a PayPal account is required to apply for this credit card offer, and an active PayPal account is recommended to gain access to most of the reward program options. Originally branded as the PayPal Plus credit card it was renamed the Extras MasterCard back in 2011.

Annual Percentage Rate (APR)

Purchases: 21.49%, 25.49%, or 28.49% determined by credit history
Min. Interest: $1.50

Credit Card Fees

Annual: None

Sign-up Bonus and Benefits

  • 3 points for purchases at gas stations and restaurants
  • 2 points for eBay and PayPal transactions
  • 1 point for all other purchases
  • Points expire 24 months from when they were earned

Resources

Apply at Paypal.com
Issuer: Synchrony Bank
Where Can I Use the PayPal Extras MasterCard? Everywhere MasterCard is accepted this includes eBay
Redeem rewards over phone: 1-866-300-6432
Pay Your Bill at PayPal.com

 

 

Editor review

The Extras MasterCard gives the prolific PayPal spender what they want, rewards for spending through their payment portal.
Overall rating 
 
3.8
Interest Rate (APR) 
 
3.5
Fees 
 
4.5
Rewards 
 
3.5
Steven Merkel Reviewed by Steven Merkel November 19, 2015
Last updated: August 07, 2020
#1 Reviewer  -   View all my reviews (24)

The Extras MasterCard gives the prolific PayPal spender what they want, rewards for spending through their payment portal.

Do You Recommend This Credit Card?

Yes
This is a niche credit card for people who make several purchases through PayPal or like to buy stuff on eBay. This can be a good substitute for those that lack a gas credit card as its interest rate and rewards are similar.
PayPal users that make many of their online purchases through the PayPal service.

Is The Interest Rate Competitive

The APR for purchases and balance transfers will range from the low 20s to the upper 20s depending on the applicants credit history. The APR for cash advances is 26.99%, which is on the higher end of the spectrum. I suggest using cash advance for emergency purposes only. Account holders receive 0% interest rate offers throughout the year. Be sure to read each offer carefully as they may be restricted towards specific types of transactions.

How Do You Like the Rewards

This card offers a surprisingly robust rewards program. Not only do you earn 2 points per dollar spent on PayPal and eBay purchases you also receive 3 points per dollar spent at gas stations and restaurants. This gives cardholders a broad rewards system that lets you earn points while shopping online as well as on the go.
If you are a person that likes to keep all their finances on one credit card the Extras MasterCard is a good choice to do just that.
Let's not forget all other MasterCard purchases net 1 point per dollar. The only downside is you are limited to earning 50,000 points in a year.
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User reviews

Average user rating from: 1 user(s)

Overall rating 
 
0.7
Interest Rate (APR) 
 
0.5  (1)
Fees 
 
0.5  (1)
Rewards 
 
1.0  (1)
Ratings (the higher the better)
  • Interest Rate (APR)
  • Fees
  • Rewards
Do You Recommend This Credit Card?
Is The Interest Rate Competitive
How Do You Like the Rewards
Comments
I want to share my experience with paypal extras mastercard which it was only 3 months. They charge high interests from first month and it is so hard to catch them on phone probably you will be on the waiting list for longtime. Compare to other credit cards I would put 1 star for this card, most of current credit cards don't even charge interests or fees for 1st year. At the end I close my account and paid everything I owe.
Overall rating 
 
0.7
Interest Rate (APR) 
 
0.5
Fees 
 
0.5
Rewards 
 
1.0
Reviewed by Motasim December 18, 2018

I want to share my experience with paypal extras mastercard which it was only 3 months. They charge high interests from first month and it is so hard to catch them on phone probably you will be on the waiting list for longtime. Compare to other credit cards I would put 1 star for this card, most of current credit cards don't even charge interests or fees for 1st year. At the end I close my account and paid everything I owe.

Do You Recommend This Credit Card?

No
It is hard to contact customer services and they put you on the waiting list for longtime
This Card is not convenient for anyone

Is The Interest Rate Competitive

No it is not, actually it is too high compare to other credit cards interests which currently do not charge any fees or interests in the 1st year

How Do You Like the Rewards

I did not like them at all
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