PayPal Extras MasterCard
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Annual Percentage Rate (APR)
Purchase and Balance Transfer APR: 19.99% or 23.99% determined by credit history
Cash Advance APR: 26.99%
Min. Interest: $1.50
Cash Advance APR: 26.99%
Min. Interest: $1.50
Periodic Finance APR: 0%
Duration: 6, 12, or 18 Months which varies by offer
Duration: 6, 12, or 18 Months which varies by offer
Credit Card Fees
Annual: None
Late Payment: Up to $35.00
Please see comparison view for balance transfer, cash advance, and foreign transaction fees.
Late Payment: Up to $35.00
Please see comparison view for balance transfer, cash advance, and foreign transaction fees.
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
- 50,000 yearly cap on reward points
Resources
Apply at Paypal.com
Issuer: Synchrony Bank
Where Can I Use the PayPal Extras MasterCard? Everywhere MasterCard is accepted this includes eBay
Pay Your Bill at PayPal.com
Issuer: Synchrony Bank
Where Can I Use the PayPal Extras MasterCard? Everywhere MasterCard is accepted this includes eBay
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.
Reviewed by
Steven Merkel
November 19, 2015
Last updated: November 19, 2015
#1 Reviewer - View all my reviews (21)
| Overall rating | 3.8 | |
| Interest Rate (APR) | 3.5 | |
| Fees | 4.5 | |
| Rewards | 3.5 |
Reviewed by
Steven Merkel
November 19, 2015
Last updated: November 19, 2015
#1 Reviewer - View all my reviews (21)
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.
Who Will Get the Most Out of This Credit Card
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 19.99% to 23.99% 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.
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)
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
Who Will Get the Most Out of This Credit Card
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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