Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- LaToya Irby, Matthew Klammer, The BalanceOffers a decent rewards rate when you’re at the gas pump or dining out, but the points you’ll earn may not be worth much and are tricky to use. If you’re an avid user of PayPal (you must have an account to apply), the PayPal Cash Back Mastercard may be a better alternative.
- Nouri Zarrugh, CreditCards.comThe PayPal Extras Mastercard is burdened by cumbersome redemption tiers, poor redemption value and restrictions galore, making it a hard sell even for frequent PayPal users.
- Kliment Dukovski, FinderIf 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.
- Brian Martucci, Money CrashersAppropriate for consumers with average or better credit. Those who drive regularly and go out to eat often are best served by this card. While PayPal Extras Mastercard doesn’t cost anything to keep around and can definitely serve as a stepping stone to more generous and exclusive credit products, it...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
19.99% ‐ 26.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate | |
| Cash Advance Interest Rate |
19.99% ‐ 26.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | |
| Cash Advance Fee |
3% Minimum of $5 |
| Foreign Transaction Fee |
3% Of each transaction in U.S. dollars. |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$40.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 1 point per $ spent |
| Restaurants | 3 points per $1 spent |
| Gas | 3 points per $1 spent |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
2 points per $1 spent on PayPal and eBay purchases |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | No |
| Zero Liability | No |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | Yes |
| Price Protection | Yes |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Google Pay |
| Virtual Cards | Yes |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Suggest a correction |
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