PayPal Extras Mastercard Review

This 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 review will provide you with with all the details you need 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.
• Gas rewards. on eligible gas purchases.
• 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.
• Fair or better credit required. You will have good approval oods if your credit score is above650.

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. PayPal Extras Mastercard reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Charges a foreign transaction fee of 3%.

Does PayPal Extras Mastercard have a cash back or rewards program?

PayPal Extras Mastercard is a rewards card.

PayPal Extras Mastercard Rewards

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

What are the PayPal Extras Mastercard benefits?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It 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:

PayPal Extras Mastercard Fees

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

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 report your account activity to credit bureaus?

Yes, PayPal Extras 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 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.