PayPal Extras Mastercard® review

How to apply for the PayPal Extras Mastercard®

1. Log in to your PayPal account and look for the PayPal Extras Mastercard®. Click Apply now.
2. Complete the application with your personal and financial information.
3. Review and submit your application.

• See screenshots of the application form

  

  

  

How long will it take to get my PayPal Extras Mastercard®?

Synchrony Bank offers conditional approval online, which means you could see a decision in under a minute.

After you’re approved, your card arrives by mail in seven to 10 business days. If your card doesn’t show a pending status, you can use a temporary credit line to make purchases before you even receive the card. When you get the card, your full credit line then becomes available.

The perks

• Rewards. Earn 3x points on gas and dining, 2x points on PayPal and eBay purchases and 1x on everything else. Redeem points for gift cards, cash back to your PayPal account, merchandise or travel vouchers.
• No annual fee. Earn rewards on your purchases without an annual fee.

You’ll also like

• Extended warranties. You can double the original manufacturer’s warranty for up to one year on eligible purchases made with your card.
• Price protection. If the price of an eligible item you buy with your card drops within 60 days of your purchase, you might be reimbursed the difference.
• Identity theft services. Protect your ID through alerts that can alert you to theft. If you’re the victim of ID theft, get help with resolving your ID and replacing your cards immediately.

What to watch out for

• PayPal account required. You must have an active PayPal account in good standing to apply for the card.
• Potentially high APR. You’ll get a variable APR of 19.99%, 23.99% or 26.99% that depends on your creditworthiness. The average APR for most cards is 16%, which makes the APR you get with this card relatively high. To avoid high interest, you’ll need to pay off your card in full each month.
• Foreign transaction fees. When you use your card outside of the US, you’ll pay a fee equal to 3% of each transaction.
• Loss of points. If you pay late or less than the minimum at least two months in a row, you risk losing your points. You can also lose them if your account is closed for any reason or you don’t make a purchase within 24 consecutive months.
• No intro APR. The card offers no intro APR period on purchases, making it a poor choice for carrying a balance or consolidating balances.

What credit cards does PayPal accept?

Compare rewards credit cards

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Blue Cash Preferred® Card from American Express		Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months	6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)	$0 intro annual fee for the first year ($95 thereafter)		Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express		Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months	3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)	$0		Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card		100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95		Up to $1,250 signup bonus Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!	Apply now View details	Compare	loading Fetching your data...

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What should I know before I apply?

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

In your application, you’ll provide personal and financial information that includes your:

• Full name and contact details.
• Social Security number and date of birth.
• Annual income and housing information.

At the end of your application, you can sign up for the optional card security program, which allows you to cancel an account balance of up to $10,000 in cases of unemployment, disability, hospitalization, loss of life, a leave of absence or a nursing home stay.

What credit score do I need?

You can apply with a score in the low 600s. For a better chance of approval and a higher credit line, apply with a good to excellent credit score of 740 or higher.

PayPal Extras Mastercard® reviews and complaints

Satisfied customers say they received high credit lines or managed to increase their credit line after only a few months of using the card.

As of October 2020, Synchrony Bank earns an A+ from the Better Business Bureau (BBB), which has accredited the bank since 2006. Most customer complaints on Synchrony’s BBB page relate to poor customer service from the bank in general and hidden fees attached to cards.

To avoid surprise fees, carefully read your card agreement and ask questions about anything you might not understand. As of this writing, Synchrony Bank has answered or resolved its complaints posted to the BBB.

I got the card. Now what?

• Download the PayPal mobile app. Use the app for your online purchases or to send money to nearly anyone for free.
• Avoid interest. Pay your balance before it’s due to avoid late payment fees and unnecessary interest.
• Customer service. Call PayPal customer support at 866-657-5788.

Bottom line

If your spending tends to focus on gas, dining and PayPal or eBay purchases, the PayPal Extras Mastercard® could be a solid way to earn rewards for gift cards, merchandise, cash back or travel. And no annual fee makes it a good long-term choice.

To find a card that meets your specific spending and financial needs, read our guide to rewards credit cards.

Frequently asked questions

• Does this card require an annual fee?

  No, the card has no annual fee.

• Does this card offer a signup bonus?

  No, you can’t take advantage of a signup bonus with this card.

• Do points expire?

  Yes. Your points expire after 24 months if you don’t redeem them.

Images: PayPal