Reward yourself with every purchase with the PayPal Extras Mastercard®.

Earn Reward Points* on every purchase and redeem** them for rewards like gift cards, merchandise, cash back, and travel vouchers. All with the added benefit of no annual fee.***

Apply Now†

You must have an account with PayPal in order to apply for a PayPal Extras Mastercard account. When you click “Apply Now,” you will be prompted to log in to PayPal. If you do not currently have an account with PayPal, you will need to open one to apply.

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Discover the benefits of the PayPal Extras Mastercard


There are many ways to earn Reward Points.


per $1 spent on gas and
restaurant purchases


per $1 spent on PayPal
and eBay purchases


per $1 spent on all other
Mastercard purchases

Turn points into extraordinary rewards.

Gift Cards

Earn 800 points and redeem for gift cards for restaurants, gas, retail, and more.


Earn 3,000 points and redeem for merchandise ranging from housewares to electronics.

Cash Back

Earn 6,000 points and redeem** $50 cash back, credited to your PayPal balance.

Travel Vouchers

Earn 15,000 points and redeem for a travel voucher for future airfare, hotels, or car rental.

Enjoy peace of mind with Mastercard benefits.

Identity Theft Protection.TM

From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we're there for you 24/7.

Microchip Technology

EMV Chip Technology makes shopping more secure at chip-enabled terminals around the globe.

Get a credit decision in seconds and start earning Reward Points on every purchase.

Apply Now†

*Purchases subject to credit approval. Accrued Reward Points that are not redeemed will be forfeited 24 months (2 years) after they were first accrued or if there are no purchases for 24 consecutive months. See your Rewards Program Terms  for details and other reasons why accrued Reward Points may be forfeited. Note: Without an active account with PayPal to which your Card is linked, you will not be able to (1) use the Card to make purchases through PayPal; (2) earn rewards on PayPal purchases; (3) redeem rewards online or in a form other than statement credit; and (4) take advantage of online account management, make payments online or receive online statements. You will only be able to redeem rewards in the form of a statement credit by calling the number on the back of your card.

**Important information on redeeming Cash Rewards to your PayPal balance: You need to have a PayPal Cash or PayPal Cash Plus account to have a balance. If you do not have one of those accounts, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.

***For New Accounts: Variable Purchase APR is 19.99% or 23.99% or 26.99%. The APRs are accurate as of 3/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00 for all types of cards in any billing cycle in which you owe interest.

†Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.

The benefits and services as further described in the Mastercard Guide to Benefits are provided solely by Mastercard International Incorporated. PayPal and Synchrony Bank do not endorse, recommend, warrant or take responsibility for these offered benefits.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

The PayPal Extras Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

©2021 PayPal, Inc. All rights reserved. PayPal is located at 2211 N. First St., San Jose, CA 95131.

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