PayPal Cashback Mastercard® and PayPal Extras Mastercard Frequently Asked Questions

PayPal Cashback Mastercard and the PayPal Extras Mastercard

About the PayPal Cashback Mastercard and the PayPal Extras Mastercard

Protection for Your Card

Customer Support


PayPal Cashback Mastercard and PayPal Extras Mastercard

What kind of PayPal credit cards does PayPal make available?
As a PayPal customer, you may be eligible for one of our two kinds of PayPal credit card products offered through Synchrony Bank - the PayPal Cashback Mastercard or the PayPal Extras Mastercard account.
What is the difference between the PayPal Cashback Mastercard and PayPal Extras Mastercard?
The PayPal Cashback Mastercard account offers you the ability to earn Cash Rewards on all of your purchases that you can redeem into your PayPal account. For additional details, see the Reward Program Terms.
The PayPal Extras Mastercard account offers you the ability to earn Reward Points on your eligible purchases that you can redeem for gift cards, merchandise, travel vouchers or cash back into your PayPal account. For additional details, see the Reward Program Terms.
Can I have a PayPal Cashback Mastercard and a PayPal Extras Mastercard?
No. You may only have one type of PayPal Mastercard account, either the PayPal Cashback Mastercard or the PayPal Extras Mastercard account.

About the PayPal Cashback Mastercard and the PayPal Extras Mastercard

What are the benefits of the PayPal Cashback Mastercard and the PayPal Extras Mastercard?
Both the PayPal Cashback Mastercard and PayPal Extras Mastercard credit cards are designed exclusively for PayPal members. They can be used for your purchases on PayPal, as well as in stores and online - everywhere Mastercard is accepted. The PayPal Cashback Mastercard account offers you the ability to earn Cash Rewards on your eligible purchases that you can redeem to your PayPal account. The PayPal Extras Mastercard offers you the ability to earn Reward Points on your eligible purchases.For additional details on the PayPal Cashback Mastercard rewards, see the Cash Back Reward Program Terms. For additional details on the PayPal Extras Mastercard rewards, see the Extras Reward Program Terms. Both the PayPal Cashback Mastercard and PayPal Extras Mastercard offer all the security and convenience you'd expect from PayPal, plus all the benefits of a Mastercard. See the Mastercard Guide to Benefits for details.
When can I start using my PayPal Cashback Mastercard or PayPal Extras Mastercard? How long will it take to receive it?
If you're approved, in most cases, a temporary credit line will instantly be added to your PayPal account and you can start using it on PayPal right away - - even before you receive your card. 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. In instances where your application is first placed into a pending status before it is approved, you will not be able to use your PayPal Mastercard until you receive and activate the card.
How do I start using my card?
  1. Once approved, you can, in most cases, start using your card right away through your PayPal account wherever PayPal is accepted. In instances where your application is first placed into a pending status before it is approved, you will not be able to use your card until you receive and activate it.
  2. Upon approval of your application, your physical card will arrive within 7-10 business days.
  3. When you receive your card in the mail, you can call to activate your card and start using it anywhere Mastercard is accepted or follow these simple steps to activate your card:
    1. Log into you PayPal account and click "PayPal Mastercard"
    2. Click “Services” then "Activate Card".
  4. Enter the card number and 3-digit security code, then click "Activate".
  5. Your card is added automatically to your PayPal account. When making a purchase with your PayPal account, just choose PayPal Mastercard as your payment source. You can also set the card as your preferred funding method in your PayPal account.
Where can I use the PayPal Cashback Mastercard and PayPal Extras Mastercard?
You can use the PayPal Cashback Mastercard or PayPal Extras Mastercard as a payment source in your PayPal account and anywhere that Mastercard is accepted, in stores and online.
Is the PayPal Cashback Mastercard or PayPal Extras Mastercard available outside the U.S.?
No. You must reside in the US or its territories to apply for the PayPal Cashback Mastercard or PayPal Extras Mastercard.
Who issues the PayPal Cashback Mastercards?
The PayPal Cashback Mastercard and the PayPal Extras Mastercard are issued by Synchrony Bank.

Protection for Your Card

What kind of extra benefits do you offer?
  • Extend your warranties – Double the original manufacturer’s or store brand warranty for up to one year when you purchase using your PayPal Cashback Mastercard or PayPal Extras Mastercard.
  • Price Protection for 60 Days – If you buy an item with your card and the price drops within 60 days, you may be reimbursed for the difference.
  • Identify Theft Resolution – You’ll get ID theft alerts, credit card replacement and ID Theft Affidavit assistance if you’re the victim of identity theft – at no cost to you.
  • Microchip Technology – EMV Chip Technology makes shopping more secure at chip-enabled terminals around the globe.
For details, see the Mastercard® Guide to Benefits
What are the PayPal Purchase Protection benefits?
When you use your PayPal Cashback Mastercard or PayPal Extras MasterCard account to pay for merchandise through PayPal, your eligible transactions receive PayPal Purchase Protection at no additional cost. View Purchase Protection benefit details here.
What liability do I have for unauthorized charges made on my account?
PayPal Cashback Mastercard and PayPal Extras Mastercard Cardholders automatically receive zero liability for any unauthorized charges. For details, view the Mastercard Guide to Benefits.

Customer Support

What kind of customer support do you provide?
For the PayPal Cashback Mastercard and PayPal Extras Mastercard, Customer Service is available around the clock. You can contact the Service Center for assistance by calling the number on the back of your card.You may also reach Customer Service via live chat from 9:00 AM – 9:30PM EST, 7 days a week. Just access our Servicing site by logging into your PayPal account and selecting your PayPal Mastercard account from your Wallet. You will then be transferred to the Synchrony Bank servicing site where you will see the Live Chat option.
How do I contact a Customer Service representative?
You can contact the Service Center for assistance with your PayPal Cashback Mastercard or PayPal Extras Mastercard account by calling the number on the back of your card or (866) 657-5788.