PayPal Credit Card Review

If you have a PayPal account and eBay is your go-to for everything from cars to Star Wars collectibles, you might love a PayPal credit card. If not, look elsewhere. The PayPal Extras MasterCard doesn’t pay as much as its cash back competitors.

Online shopping is all the rage! For many of us, there’s a lot of value in shopping from a cozy spot on the couch in pajamas. After all, why deal with crowds if you don’t have to? That’s especially true around the holidays. Whatever your reason for choosing to make purchases online, one option you will find if you use PayPal’s service as a method of payment is the PayPal Extras Mastercard. With this card in your wallet, you can shop online or in stores. So what’s the deal with PayPal credit, keep reading to find out?

The PayPal Extras Mastercard differs from other forms of PayPal credit in that it offers a branded Mastercard for your wallet that can be used anywhere Mastercard is accepted. Still, it rewards you for online shopping similarly to an online-only Paypal credit account. Both Paypal credit and PayPal Extras Mastercard are issued by Synchrony Bank.

The card’s strength lies in its rewards. You get the most rewards for gas purchases and restaurants, followed by purchases made online via your PayPal account and then all other purchases reap some rewards too. Because there are a lot of point options for spending, it’s easy to rack up points on this card. However, consumers should be careful of a high above average interest rate and be mindful to spend only what they can pay in full each month. If you do that, the PayPal card is pretty handy for most modern lifestyles.

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Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.