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PayPal Extras Mastercard® card

PayPal Extras Mastercard®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
No Credit Required
Card network
Mastercard
Regular purchase APR
16.74%, 20.74%, or 23.74% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

Our review of the PayPal Extras Mastercard®

If you’re looking to maximize your online transactions, the PayPal Extras Mastercard® is the perfect addition to your wallet. This cobranded retail card offers 2X points every time you use PayPal or eBay for checkout. But the perks don’t stop there – you’ll also earn 3X points on dining and gas, making it a great choice for everyday expenses. With a minimum of 1X points on all purchases and a variety of redemption options, these rewards are as easy to use as they are to earn.

Who Should Consider the PayPal Extras Mastercard?

  • Regular users of PayPal for online transactions
  • Those who want to earn the most rewards for gas, dining, and online purchases
  • eBay shoppers
  • Individuals seeking a rewards Mastercard with no annual fee and flexible redemption options

Enhance Your Online Shopping Experience with Extras

One of the standout features of the PayPal Extras Mastercard is the ability to earn extra points on PayPal and eBay purchases. By setting up your PayPal account as the preferred payment method and adding authorized users, you can effortlessly earn rewards on all your online transactions. Plus, you can use this card at any merchant that accepts Mastercard, whether online or in-store.

Flexible Redemption Options

With the PayPal Extras Mastercard, you have multiple ways to redeem your points before they expire. From gift cards to cash rewards and travel vouchers, there are plenty of options to choose from. Just keep in mind that points expire after two years, and missing two consecutive payments could result in forfeiting your rewards.

Additional Benefits of the PayPal Extras Mastercard

In addition to its rewards program, the PayPal Extras Mastercard offers identity theft protection from Mastercard. This includes identity monitoring, resolution assistance, and credit monitoring to keep your information secure. Best of all, there’s no annual fee attached to this card.

Overall, the PayPal Extras Mastercard is a solid choice for those looking to earn rewards on their online purchases. Just be mindful of the higher APRs associated with retail cards, and make sure to pay your balance on time to avoid accruing interest.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 3X points at gas stations and restaurants
  • 2X points on purchases made through PayPal and eBay
  • 1X point on all purchases wherever Mastercard is accepted
  • Mastercard identity theft protectio

Who this card may suit

  • N/A

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR16.74%, 20.74%, or 23.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR23.74% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $40
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: Limited or No Credit.

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PayPal Extras Mastercard®

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