PayPal Extras Mastercard®

PayPal Extras Mastercard®

PayPal Extras Mastercard®

PayPal Extras Mastercard®

PayPal Extras Mastercard®

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Card details

  • Earn 3 points per $1 spent on gas and restaurant purchases

  • Earn 2 points per $1 spent on PayPal and eBay purchases

  • Earn 1 point per $1 spent on other Mastercard purchases

  • No annual fee

  • Shop everywhere Mastercard is accepted – 24 million locations and counting

  • Conveniently redeem your Reward Points through PayPal

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-3x

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    APR: 15.99% - 26.99% Variable APR

  • Foreign transaction fee

    3% of each transaction.

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
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Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

15.99% - 26.99% Variable APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Kimberly Palmer

Rating details

2.8

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Bonus categories

Cons
  • Complicated redemptions

  • High minimum redemption requirement

  • No new cardholder bonus offer

  • No 0% intro APR

  • Must be a member/customer

The PayPal Extras Mastercard®, which has a $0 annual fee, earns bonus points on everyday spending, including gas, restaurants, PayPal and eBay purchases. The downside is that it can be hard to redeem the points, given the minimum redemption requirements and restrictions on travel booking. The points are also not highly valued, at about 0.83 cent per point.

It’s worth noting that you need a PayPal account before applying. Also, PayPal offers another co-branded credit card, the PayPal Cashback Mastercard®, which is a more flexible option, offering 2% cash back on all purchases.

For more information, see a closer look at this card.