PayPal Extras Credit Card®

Use your PayPal Extras MasterCard to get 2x points for all your PayPal and eBay purchases.

  • 3x points/ $1 spent on Gas & Restaurants
  • 2x points/ $1 spent on PayPal & eBay
  • 1x points/ $1 spent on all other MasterCard purchases
  • 10 seconds decision
  • Redeem points for gift cards, merchandise and travel deals
  • Cash back as a credit into your PayPal balance*
  • Manage account activity easily online through your PayPal account
  • No annual fee — click here for details
  • MasterCard Platinum benefits
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Above Average Credit, Fair Credit Personal $0* N/A* N/A* 19.99%* - 23.99%* Other


Quick Summary:
This MasterCard rewards card is issued by Synchrony Bank and offers unique rewards not listed in our current rewards categories. This card is intended for consumers, or "personal use" with an above average credit history. APR's may vary among applicants, however the lowest standard APR is 19.99%* and may be as high as 23.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This is a rewards card that offers unique rewards. Due to this card's diversity, the rewards are not categorized specifically in Finance Globe's rewards sections.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 637 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Synchrony Bank product.

Other Basics:
The grace period listed for the PayPal Extras Credit Card® is at least 23 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.

Approval Rate:
There were 24 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 63% of those applicants were approved.

The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 637, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 88% of 25 users recommend this card.

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