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.

• Generous reward rate. You will get 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.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel assistance, and fraud protection.

The Good	The Bad
No annual fee. Multiple credit card perks. Extended warranty and price protection on purchases. Identity Theft Protection. Travel assistance insurance 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

Minimum rewards rate	1x
Max rewards rate	3x
Annual rewards limit	N/A

What are the PayPal Extras Mastercard benefits?

PayPal Extras Mastercard provides the following benefits:

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

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% .

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

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