PayPal Extras Mastercard

PayPal Extras Mastercard

in Personal Credit Cards from PayPal Inc


PayPal Extras Mastercard


in Personal Credit Cards from PayPal Inc

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

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 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.
PayPal Extras Mastercard Pros & Cons
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.
PayPal Extras Mastercard FAQ

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

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

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

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 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: 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  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%
Card Type
  • Gas
  • Rewards

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