Ebates Cash Back Visa® Credit Card review | finder.com

Ebates Cash Back Visa® Credit Card review

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Ebates Cash Back Visa® Credit Card

Get accelerated cash back without paying an annual fee.

30-second take

  • Get this card if you frequently shop at Ebates.com.
  • Pick something else if you want high cash back on other categories.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameEbates Cash Back Visa® Credit Card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases21.99% to 26.99% variable
Introductory Purchase APR

N/A

Introductory Balance Transfer APR

N/A

Cash Advance Rate21.99% to 26.99% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 4% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $38
Minimum Age18 years of age
Base Rewards1% cash back

The basics

The Ebates Cash Back Visa® Credit Card can be a solid addition to your wallet if your go-to online shop is Ebates.com. With this card, you get additional cash back on top of what you earn for active online deals.

Another store credit card

Target REDcard™ Credit Card

  • $0 annual fee
  • Save 5% on purchases at Target stores and Target.com
  • Early access to special events, products and promotions
  • 10% off coupon on your card anniversary
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The perks

  • Cash back.
    Earn 3% back on Ebates.com purchases at more than 2,500 stores and 1% back on everything else you buy. You get more back when you link your card to specific in-store offers and shop at its physical location.
  • Signup bonus.
    Get $10 after you make your first purchase. This is one of the lowest signup bonuses you can get, but it’s easy to obtain.

Get the card without paying an annual fee.

How much cashback rewards can I earn with the Ebates Cash Back Visa® Credit Card?

The main perk of the card is the extra 3% cash back you get on top of the offered deal on Ebates.com. For example, if there’s an 8% cashback deal at Macy’s, you get 11% cash back total when you use the card.

The same applies when you use your card to make in-store purchases and link your card with a specific deal on the Ebates.com website.

If you spend $5,000 annually on Ebates.com purchases without factoring in any extra deals, you would earn additional $150 cash back.

You’ll also like …

  • Visa benefits.
    Get zero fraud liability for unauthorized purchases, price protection and return protection.
  • Digital wallet.
    Enroll your card in Apple Pay, Google Pay and Samsung Pay and simplify your credit card payment with your mobile device.
  • No penalty APR.
    There’s only a late payment fee of $38. With other cards you can end up with a penalty APR of up to 31% after making a single late payment.

What to watch out for

  • No intro APR period.
    You start off with a variable APR of 21.99% or 26.99% from the moment you open your account. If you’re looking to make a balance transfer or a large purchase and carry the balance interest-free, you may find a 0% intro APR card more suitable.
  • Foreign transaction fee.
    Each time you swipe outside of the US you’ll incur a fee up to 3% of the transaction.

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What should I know before I apply?

You must be at least 18 years old and a US resident to apply for this card.

To apply you’ll need to provide your:

  • Full name, residential address and contact information.
  • Date of birth and Social Security number.
  • Annual income.

What credit score do I need?

Apply with a good to excellent credit score of 670 or higher.

What do customers say about the Ebates Cash Back Visa® Credit Card?

Customers who frequently use Ebates.com like the cashback rate. You’ll also find reviewers who had issues with the 3% cash back not being properly received, and complaints about the issuer’s customer service.

The Better Business Bureau rates Synchrony Bank, the issuer of this card, with an A+. The Bank is accredited since 2006.

You may want to keep an eye on your statement to make sure you’re earning rewards at the expected rate.

How to apply for the Ebates Cash Back Visa® Credit Card

  1. Go to the Ebates website and select the Ebates Cash Back Visa® Credit Card at the bottom of the page.
  2. Click Apply now.
  3. If you don’t have an Ebates account you’ll need to create one.
  4. Fill out the application form with all required details.
  5. Review your information and submit.

How long will it take to get my Ebates Cash Back Visa® Credit Card?

You should get an immediate decision. Once approved, expect your card to arrive within seven to 10 business days.

I got the card. Now what?

  • Download MySynchrony mobile app. Use the app to make payments, monitor your account and more.
  • Download the Ebates mobile app. Find new deals, track your cash back, get deal alerts and more.
  • Enroll in digital wallet. Enroll in Apple Pay, Samsung Pay or Google Pay to make payments with your mobile phone.
  • Avoid interest and fees. Your due date is 23 days after the close of each billing cycle. Avoid paying high interest and late payment fees by paying off your balance before its due.
  • Customer service. Call 855-697-4555 for any questions to speak with a Synchrony Bank customer support representative.

How do I redeem rewards from the Ebates Cash Back Visa® Credit Card?

You automatically get your cash back every quarter once you reach $5. Receive your cash back as a:

  • Check
  • PayPal deposit

Payments are usually sent on:

  • May 15
  • Aug 15
  • Nov 15
  • Feb 15

Bottom line

If you frequently shop through Ebates.com, the Ebates Cash Back Visa® Credit Card could be a solid choice. In addition to the cash back deals offered on the website, you’ll get a 3% bonus. Once you link your card with an in-store cashback offer, you can also get the additional 3% back when making purchases in physical stores where you linked your card.

If you’re not sure this card is the right fit, you can always look at other cashback credit cards to find the right card for your needs.

Frequently asked questions

Kliment Dukovski

As a credit cards writer at finder.com, Kliment Dukovski aims to deliver honest and accurate information to help you make the right financial decision. Before joining Finder, he has ghostwritten guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi stories.

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