eBay Mastercard®

eBay Mastercard® Review

This is a rewards card issued by Synchrony Bank. If you're wondering whether eBay Mastercard® is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.99% up to 26.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Annual fee waived the first year. eBay Mastercard® gives you the chance to have the card for a year without paying the $0 annual fee.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of eBay Mastercard®

The Good	The Bad
No annual fee. Annual fee waived during the first year. Identity Theft Protection. Considers applicants with fair credit. Cardholders can earn rewards on their purchases. eBay Mastercard® reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not include many credit card benefits.

eBay Mastercard® FAQ

Does eBay Mastercard® have a cash back or rewards program?

eBay Mastercard® is a rewards card.

eBay Mastercard® Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)

What are the eBay Mastercard® benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for eBay Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

eBay Mastercard® has a variable purchase APR that ranges from 19.99% up to 26.99%.

What are the fees for eBay Mastercard®?

The following fees apply:

eBay Mastercard® Fees

Fees	Amount
Annual Fee	$0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does eBay Mastercard® report your account activity to credit bureaus?

Yes, eBay Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for eBay Mastercard®

• Visit the eBay Mastercard® website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.