Last Updated: 02/23/2026
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Highlights
Purchase APR (Variable APR)
22.24% - 29.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$0
PayPal Extras Mastercard Review
This is a rewards card issued by PayPal Inc. If you're wondering whether PayPal Extras Mastercard is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 up to 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 security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of PayPal Extras Mastercard
| The Good | The Bad |
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PayPal Extras Mastercard FAQ
Does PayPal Extras Mastercard have a cash back or rewards program?
PayPal Extras Mastercard is a rewards card. This card features rewards for purchases in the following categories:
- Gas
| Description |
Does PayPal Extras Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does PayPal Extras Mastercard offer an annual loyalty bonus?
This card 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
- Reports to major credit bureaus
What are the relevant APRs for PayPal Extras Mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.PayPal Extras Mastercard has a variable purchase APR that ranges from 22.24% up to 29.24%. PayPal Extras Mastercard does not offer balance transfers. It also has a variable cash advance APR of 29.24% .
Does PayPal Extras Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. PayPal Extras Mastercard does not offer balance transfers.Does PayPal Extras Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for PayPal Extras Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does PayPal Extras Mastercard have a foreign transaction fee?
PayPal Extras Mastercard charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for PayPal Extras Mastercard?
The customer service number for PayPal Extras Mastercard is (402) 935-2050.
What is the support contact email for PayPal Extras Mastercard?
The support contact email for PayPal Extras Mastercard is service@paypal.com.
What is the login page for PayPal Extras Mastercard?
You can access the login page of PayPal Extras Mastercard here.
How do people rate the customer service and user experience of PayPal Extras Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does PayPal Extras Mastercard report your account activity to credit bureaus?
Yes, PayPal Extras Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does PayPal Inc perform a hard credit pull?
Yes, PayPal Extras Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for PayPal Extras Mastercard
- Visit the website of PayPal Extras Mastercard.
- 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.
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