PayPal Extras MasterCard® FAQs


About the PayPal Extras MasterCard®
About Your Account
PayPal Extras MasterCard Rewards Program
Protection for Your Card
Customer Support
PayPal Extras MasterCard Versus PayPal Smart Connect
Special Promotions

About the PayPal Extras MasterCard®

What is the PayPal Extras MasterCard®?
The PayPal Extras MasterCard is a MasterCard® designed exclusively for PayPal members. Online and in stores, PayPal Extras MasterCard gives you more of what you're looking for in a MasterCard, including great rewards, no annual fee, and extended protection on purchases made through PayPal. See eligibility

What are the benefits of having the PayPal Extras MasterCard®?
PayPal Extras MasterCard offers all the security and convenience you'd expect from PayPal, plus comprehensive rewards and benefits. With your PayPal Extras MasterCard, you will earn points toward future purchases every time and everywhere you shop – online and in stores. There is no annual fee and zero liability for unauthorized purchases made with your card. With PayPal Extras MasterCard, you also can take advantage of extended payment plans and deferred interest offers on select purchases. Applying is fast and easy – you can get your credit decision in as soon as 10 seconds. And, once you're approved, you can start using it right away. A PayPal Extras MasterCard temporary line of credit will be added instantly to your PayPal account, which you can use before you receive your credit card.

Why would I want to use the PayPal Extras MasterCard instead of another credit card?
The PayPal Extras MasterCard gives you access to exclusive PayPal offers and deferred interest promotions – plus, you'll earn Rewards Points for every purchase you make. There is also no annual fee and zero liability on unauthorized purchases made with your card.

When can I start using PayPal Extras MasterCard? How long will it take to receive the PayPal Extras MasterCard?
You can receive your credit decision in as soon as 10 seconds, and start using your PayPal Extras MasterCard as soon as you are approved. Once you are approved, a temporary credit line will instantly be added as an additional funding source in your PayPal account. You will receive your card within 7-10 business days. It is important that you activate your credit card immediately to ensure your credit line is fully available to you.

How do I start using my card?
  1. Call to activate your card and start using it anywhere MasterCard is accepted.
  2. Your card is added automatically to your PayPal account. Just choose it to fund the purchases you make with PayPal to start earning Double Reward Points on your PayPal and eBay purchases.
  3. Receive monthly statements detailing your transactions and payment information.
Where can I use the PayPal Extras MasterCard?
You can use the PayPal Extras MasterCard anywhere MasterCard is accepted – in stores and online, whether or not the site accepts PayPal payments.

Is the PayPal Extras MasterCard available outside the U.S.?
No. At this time, only U.S. residents with a U.S. PayPal account can apply and be approved for the PayPal Extras MasterCard.

Who is the financial entity behind the PayPal Extras MasterCard?
PayPal Extras MasterCard is provided by GE Capital Retail Bank, one of the leading providers of consumer credit.

Where can I find more information about the PayPal Extras MasterCard?
Click here to learn more about the PayPal Extras MasterCard. See terms and conditions
How do I apply for the PayPal Extras MasterCard?
You can begin the application process online. Applying for the PayPal Extras MasterCard is fast, easy, and secure; you can get your credit decision in as soon as 10 seconds!

Is there an annual fee?
No, there is no annual fee.


About Your Account

What is the limit on my credit account?
The limit on your credit account is determined by your credit history. Once you are approved for credit, you will be told the limit on your credit account. Get your credit decision in as soon within 10 seconds after you submit the application.

Can I transfer my balance from another credit card to the PayPal Extras MasterCard?
Yes, you can transfer balances from higher rate credit cards to your PayPal Extras MasterCard by either visiting the Service Site or by contacting us at 1-866-300-6432. (Fees may apply.)

Can I access cash with my new card?
Yes. You can request a Personal Identification Number (PIN) that you can use to get cash at thousands of ATMs nationwide. To request your PIN, simply call the phone number listed on the back of your card. (Fees may apply.)

How do I get additional cards for family members?
Simply call the toll-free number on the back of your card. There's no charge for additional cards.

Can I request an increase to my credit limit?
Yes. You can visit the Service Site and request a credit limit increase. If you are eligible, you will receive an immediate increase. You can get to the Service Site by logging in to your PayPal account, then clicking the View Card Details link in the PayPal Extras MasterCard section on the Account Overview page.

How can I see my PayPal Extras MasterCard transactions, statements, and payments due?
Log in to your PayPal account, and then click the "View Card Details" link in the PayPal Extras MasterCard section on the Account Overview page.

How do I make payments to my PayPal Extras MasterCard?
You can make payments online, by phone, or by mail. For payment instructions, just visit the PayPal Extras MasterCard Service Site by logging in to your PayPal account, then clicking the "View Card Details" link in the PayPal Extras MasterCard section on the Account Overview page.

I do not have enough credit available for my purchase. Can I use another source of funds to pay the additional amount so I can take advantage of promotional financing?
No. Currently there isn't a way to take advantage of promotional financing if you don't have enough available credit on your PayPal Extras MasterCard to complete the purchase.

Can I access my PayPal funds using my PayPal Extras MasterCard?
No. At this time, you cannot access the funds in your PayPal account with the PayPal Extras MasterCard.

Can I pay my PayPal Extras MasterCard statement balance with money from my PayPal Account?
Yes. You can transfer money from your PayPal account to pay your PayPal Extras statement balance.


PayPal Extras MasterCard Rewards Program

What is the PayPal Extras Rewards Program?
As a PayPal Extras MasterCard customer, you will be automatically enrolled in the PayPal Extras MasterCard Rewards Program for no additional fee. With PayPal Extras MasterCard Rewards, you can earn points everywhere you shop toward future purchases. Learn more about the PayPal Extras MasterCard Rewards program

How do I earn Reward Points?
You earn Triple Reward Points for every $1 of net purchases at gas and restaurant locations, Double Reward Points for every $1 of net purchases at PayPal and eBay, and One Reward Point everywhere else you use your PayPal Extras MasterCard.

How do I redeem my Reward Points?
For every 2,500 Reward Points earned, we will automatically send you a Reward Coupon good for $25 off any purchase of an item listed on eBay.com made with your PayPal account.

How long will it take for my merchandise and gift cards to arrive?
In general, merchandise and gift cards will arrive within 14 days of your order. If, however, an item is not in stock, shipping may be delayed. All items should be received within 21 days of your order and if there is a delay expected beyond this time, you will be contacted.

How do I know how many Reward Points I have available?
The amount of Reward Points available is shown on the credit Servicing Site. You can get to the Service Site by logging in to your PayPal account, then clicking the "View Card Details" link in the PayPal Extras MasterCard section on the "Account Overview" page. Next click on the "Rewards" link and you'll see the number of Reward Points available to redeem.

When do Reward Points Expire?
Reward Points will expire 24 months (2 years) from the date they were issued. Reward Points will also expire if
  • If two or more consecutive minimum payments on your PayPal Extras MasterCard Account are not paid when due;
  • You fail to pay when due two or more consecutive minimum payments on your Account.
  • If your PayPal Extras MasterCard Account is closed for any reason (other than as a result of a lost or stolen card, in which case all accrued Reward Points will be applied to the replacement card). If your PayPal account is closed for any reason
  • You do not make a Purchase or balance transfer on the Account for 12 consecutive months.

Protection for Your Card

What kind of extra protection do you offer?
With PayPal Extras MasterCard, you get Platinum benefits for extra security* and extended protection on purchases made via PayPal.± See eligibility

What does "extended protection on purchases made via PayPal" mean?
When you make purchases with PayPal Extras MasterCard through your PayPal account, you get extended protection. Extended protection from PayPal for purchases that are made with the PayPal service is in addition to any rights you have to dispute charges to your credit card with GE Capital Retail Bank. See eligibility

What kind of protection do you offer from identity theft?
PayPal Extras MasterCard holders automatically receive zero liability for any unauthorized charges, both on and offline. If your card is lost or stolen, please contact the Service Center by calling the telephone number on the back of your card.


Customer Support

What kind of customer support do you provide?
Customer Service is available around the clock, where you can always reach a live agent to help answer your questions. Simply call the number on the back of your card to get started.

How do I contact a Customer Service representative?
You can contact the PayPal Extras MasterCard Service Center for assistance with your PayPal Extras MasterCard by calling the number on the back of your card.


PayPal Extras MasterCard Versus PayPal Smart Connect

What kind of credit does PayPal make available?
Two kinds of credit are available for PayPal users:
The PayPal Extras MasterCard and PayPal Smart Connect both offer a secure, convenient, and flexible way to fund your purchases, allowing you to shop now and pay later.

What is the difference between the PayPal Extras MasterCard and PayPal Smart Connect Card
PayPal Smart Connect is available for PayPal members to use exclusively for PayPal purchases. It offers you convenience, flexibility and exclusive benefits with your PayPal account.

The PayPal Extras MasterCard offers you the ability to earn Rewards Points. With PayPal Extras MasterCard you get a credit card that you can use for all your purchases in stores, as well as online, wherever MasterCard is accepted.

See a detailed comparison

Can I have a PayPal Extras MasterCard and PayPal Smart Connect Card?
No. When you submit your application, you will be approved only for either PayPal Smart Connect or the PayPal Extras MasterCard. Your account type is determined by a number of credit factors at the time you apply.

If I already have PayPal Smart Connect but would prefer a PayPal Extras MasterCard, how do I switch?
PayPal Smart Connect and PayPal Extras MasterCard are separate credit programs. Periodically invitations will be extended to PayPal Smart Connect customers to switch to the PayPal Extras MasterCard. At this time we cannot convert PayPal Smart Connect into PayPal Extras MasterCard outside this invitation process.

Why did I get PayPal Smart Connect when I was applying for a PayPal Extras MasterCard?
Your account type is determined by a number of credit factors at the time you apply. PayPal Smart Connect provides you the same level of protection as PayPal Extras MasterCard, and you're also eligible to receive special promotional financing offers, with no annual fee.


Special Promotions

What are extended payment plans and deferred interest offers?
Extended payment plans and deferred interest may be available during certain promotional periods, or can be offered by sellers on select eBay items. Watch PayPal for announcements on these promotional periods, and check eBay listings for messages about these offers.

±Extended protection from PayPal for purchases that are made with the PayPal service is in addition to any rights you have to dispute charges to your credit card with GE Capital Retail Bank.

*These benefits are provided by MasterCard only, not PayPal or GE Capital Retail Bank. For details, see the MasterCard Guide to Benefits that will be mailed to you in your first billing statement.
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