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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
Periodic Finance APR: 0%
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.

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


Apply at
Issuer: Synchrony Bank
Where Can I Use the PayPal Extras MasterCard? Everywhere MasterCard is accepted this includes eBay
Pay Your Bill at



Editor review

The Extras MasterCard gives the prolific PayPal spender what they want, rewards for spending through their payment portal.
Overall rating 
Interest Rate (APR) 
Steven Merkel 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?

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.
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