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  PayPal Extras Mastercard

PayPal Extras Mastercard

in Personal Credit Cards from PayPal Inc

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PayPal Extras Mastercard

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in Personal Credit Cards from PayPal Inc

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A
Annual Fee $0
Purchase APR  (Variable APR) 22.24% - 29.24%

PayPal Extras Mastercard Review

PayPal Extras Mastercard is a rewards credit card issued by PayPal Inc. If you're wondering whether PayPal Extras Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of up to 3x.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 22.24% up to 29.24%.
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Gas rewards.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, price protection, purchase protection, travel assistance, and fraud protection.

PayPal Extras Mastercard Pros and Cons:

The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Travel assistance insurance
  • Cardholders can earn rewards on their purchases.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.

Is there a PayPal Extras Mastercard cash back or rewards program?

PayPal Extras Mastercard offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Gas
PayPal Extras Mastercard Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does PayPal Extras Mastercard have a signup bonus?

PayPal Extras Mastercard doesn't offer a cash signup bonus.

Does PayPal Extras Mastercard offer an annual loyalty bonus?

PayPal Extras Mastercard doesn't offer a cash loyalty bonus.

What are the PayPal Extras Mastercard benefits?

PayPal Extras Mastercard provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Assistance
  • ID Theft Protection

What are the relevant APRs for PayPal Extras Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. PayPal Extras Mastercard has higher than average purchase APRs.

PayPal Extras Mastercard has a variable purchase APR that ranges from 22.24% up to 29.24%. It also has a variable cash advance APR of 29.24% .

Does PayPal Extras Mastercard have an introductory APR offer on balance transfers?

No, PayPal Extras Mastercard does not come with an introductory APR offer for balance transfers.

Does PayPal Extras Mastercard have an introductory APR offer on new purchases?

PayPal Extras Mastercard does not offer an introductory rate on new purchases.
PayPal Extras Mastercard Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for PayPal Extras Mastercard?

The following fees apply to PayPal Extras Mastercard:

PayPal Extras Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee up to $37

Does PayPal Extras Mastercard have a foreign transaction fee?

PayPal Extras Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

How to apply for PayPal Extras Mastercard

  • Visit the PayPal Extras 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Paper Statement Fee $0
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.50
Late Fee Amount Up to $37
Minimum Age 18
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Assistance
Rewards Categories Gas
Cash Advance APR (Variable APR) 29.24%
Purchase APR (Variable APR) 22.24% - 29.24%

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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 720 - 850     300 850
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Purchase APR 22.24% - 29.24%
(Variable APR)
    0% 36% Variable APR