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PayPal Extras Mastercard®

PayPal Extras Mastercard®


Rated 3/5 stars by our editorial team

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3.1/5.0 from 18 Offer Ratings
Over the Past 60 Days!

(18) Over the Past 60 Days!

  • Credit Needed Excellent/Good
  • APR 22.24%, 26.24% or 29.24% Variable
  • Intro APR N/A
  • Balance Transfer Intro APR N/A
  • Cash Advance APR 29.24%
  • Annual Fee $0
  • Cash Advance Fee $5.00 USD or 3.00%
  • Foreign Exchange Fee 3%
  • Rewards Details 3 points per $1 spent on gas and restaurant purchases, 2 points per $1 spent on PayPal and eBay purchases, and 1 point per $1 spent on other purchases
  • Signup Bonus N/A


  • Click "APPLY NOW" to apply online
  • 3X points per $1 spent at Gas Stations and Restaurants
  • 2X points per $1 spent at PayPal and eBay
  • 1X points per $1 spent on all other MasterCard purchases
  • Redeem points for gift cards, cash back into your PayPal balance and more!
  • Use anywhere MasterCard is accepted - 24 million locations
  • No annual fee

Expert Reviews

From the Editorial Team

For frequent users of PayPal, the PayPal Extras MasterCard is a great opportunity to earn savings. This card can be extremely beneficial thanks to the rewards points program. In addition, cardmembers enjoy all the benefits of MasterCard such as price protection and travel assistance. 

With this traditional credit card spending limits are based on creditworthiness instead of your PayPal account balance. Cardholders can earn 3X the points per each $1 spending on dining and gas, 2X the points per each $1 on PayPal and eBay purchases and 1X the point per each $1 spent on everyday purchases. 

Another great feature is that the PayPal Extras MasterCard has no annual fee. However, the 3.00% foreign transaction fee means this card will really rack up the fees with international travel. In addition, for those who carry a balance the interest fees due could be substaintal. 

Expert Reviews of the PayPal Extras Mastercard®

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 2.0


  • 3.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

Rewards points are only eligible to earn a maximum of 50,000 per calendar year. Points are not able to be redeemed in the minimum balance is not paid on the card. If points are not redeemed within 24 months of issue, loss of points will insue. 

The Good

This card has no annual fee and offers cardmembers the opportunity to save a valuable rewards points program. You'll earn points for purchases spent on dining, gas stations, PayPal, eBay and other everyday purchases. 

The Not So Good

For those who hibitually carry a balance, the interest rate fees could really add up. In addition, the foreign transaction fee of 3.00% won't make this credit card a great international travel companion. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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18 Total Ratings

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