eBay Mastercard®: Earn up to 5X on eBay!
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 25.24%, 29.24%, or 32.24% variable based on creditworthiness and the Prime Rate
At a glance
The eBay Mastercard® is ideal for heavy eBay shoppers that spend at least $1,000 through their online marketplace each year. Earn points on every transaction and redeem them for discounts at the eBay checkout – includes taxes and shipping costs.
Our review of the eBay Mastercard®
The eBay Mastercard® from Synchrony is a credit card designed for fans of the online marketplace, offering potential rewards for frequent shoppers. However, cardholders must meet a high spending threshold to unlock the card’s most valuable benefits. While the card allows users to earn rewards for external purchases, its redemption methods are limited to eBay purchases only.
One of the drawbacks of the eBay Mastercard® is its lack of introductory 0% APR offer and high APR, making it less than ideal for those planning a shopping spree. The card offers bonus categories for gas stations, grocery stores, and restaurants, with the highest rewards earned for eBay purchases.
Cardholders can earn up to 5X points at eBay, 2X points at gas stations, grocery stores, and restaurants, and 1X points on all other purchases. However, unlocking the 5X rewards rate requires a $1,000 spending threshold, which can be challenging for some users.
Points earned with the eBay Mastercard® have a value of 0.6¢ each and can be redeemed for purchases, taxes, or shipping fees on eBay once 1,500 points have been reached. Points expire after 24 months and can be forfeited under certain conditions, such as missing payments or not using the card for 12 consecutive months.
Overall, the eBay Mastercard® is best suited for frequent eBay shoppers who can meet the spending requirements to unlock the highest rewards. However, casual users may find the card’s limitations and restrictions outweigh its benefits. Consider your shopping habits and spending patterns before applying for the eBay Mastercard®.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Up to 5X points per dollar spent at eBay
- 2X points at gas stations, restaurants, and grocery stores
- 1X points on all other purchases
- Must have an eBay account in order to apply
Who this card may suit
- You're an eBay merchant or collector
- You spend over $1,000 at eBay per calendar year
- You conduct the bulk of your eBay purchases during the first half of the year
- You'll pay your credit card balance in full every month
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 25.24%, 29.24%, or 32.24% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 29.99% |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | $29 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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eBay Mastercard®
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