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PayPal Extras MasterCard Frequently Asked Questions


PayPal Extras MasterCard® Frequently Asked Questions


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® credit card designed exclusively for PayPal members. Online and in stores, the PayPal Extras Card gives you more of what you're looking for in a MasterCard, including great rewards, no annual fee (click here for terms), and Extended Buyer Protection from PayPal on purchases made through PayPal with the card.

What are the benefits of having the PayPal Extras MasterCard®?
PayPal Extras offers all the security and convenience you'd expect from PayPal, plus rewards and MasterCard Platinum benefits. With your PayPal Extras MasterCard, you will earn Triple Reward Points for gas and restaurant purchases, Double Reward Points for PayPal and eBay purchases, and One Reward Point for every $1 spent everywhere else MasterCard is accepted. See Rewards Terms]. You can redeem these Reward Points for great prizes, including credits into your PayPal Account, merchandise, gift cards and travel. If you select a credit reward, it's immediately added to your PayPal Account. Merchandise, gift cards and travel vouchers are sent via the mail and can take up to 21 days to receive. There is no annual fee (click here for terms) and zero liability for unauthorized purchases made with your card. For Platinum benefit and zero liability information, please view the MasterCard Guide to Benefits. A printed version will be mailed to you when you become a cardholder. With the PayPal Extras MasterCard, you also can take advantage of exclusive offers. Applying is fast and easy you can get your credit decision in as soon as 10 seconds after you submit your application. And, once you're approved, you can start using it right away. A PayPal Extras 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 offers plus, you'll earn Double Reward Points on all eBay and PayPal purchases, as well as Triple Reward Points for gas and restaurant purchases and One Reward Point everywhere else MasterCard is accepted. You can use these Reward Points to redeem for credits to your PayPal account, merchandise, gift cards or travel. There is also no annual fee (click here for terms) 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 it?
You can receive your credit decision in as soon as 10 seconds after you submit your application, 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. Only U.S. residents with a U.S. PayPal account can apply and be approved for the PayPal Extras MasterCard.

Who issues the PayPal Extras MasterCard?
The PayPal Extras MasterCard is issued 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. For rate, fees and other cost information, See terms and conditions.

You may contact us at (866) 300-6432 to request a replacement copy of your PayPal Extras MasterCard Terms and Conditions to be mailed to you.


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 after you submit your application!

Is there an annual fee?
No, there is no annual fee. For rate, fees and other cost information, See terms and conditions.


About Your Account

What is the limit on my credit card account?
The limit on your credit card account is determined by your application and a review of your credit history. Once you are approved for the PayPal Extras MasterCard, you will be told the limit on your account. Get your credit decision in as soon as 10 seconds after you submit your application.

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. For rate, fees and other cost information, See terms and conditions.

How can I request an additional card to provide to someone I've authorized to use my account?
After you receive your card, just 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. It is recommended you wait at least three months after you are approved for the card before you request a credit limit increase. To make a request, 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 into 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 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 Rewards, you can earn Reward Points everywhere you shop with your card. 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 MasterCard is accepted. You can redeem these Reward Points for great rewards like credits into your PayPal Account, merchandise, gift cards, and travel vouchers. Learn more about the PayPal Extras 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?
You can redeem Reward Points for a variety of rewards at a range of points. You select from credit into your PayPal account, merchandise, gift cards or travel. Cash is placed immediately into your PayPal Account. Merchandise and gift cards are sent via mail and can take up to 21 days to arrive. When redeeming for travel, you call the Rewards Redemption Center Sign on to the PayPal Extras Servicing Site to view and redeem Reward Points and for the selection of Reward Vouchers. 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 "Rewards" and you'll see the various prizes you can redeem.

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, you get MasterCard® Platinum benefits for extra security and extended protection on purchases made via PayPal. See eligibility

What does Extended Buyer Protection benefits mean?
When you use your PayPal Extras MasterCard product to pay for merchandise with online merchants who accept PayPal, your transactions may be eligible for Extended Buyer Protection from PayPal. Extended Buyer Protection is provided to you at no additional cost when you send a payment using PayPal and fund it with either:
Learn about the eligibility requirements.

What liability do I have for unauthorized charges made on my account?
PayPal Extras Cardholders automatically receive zero liability for any unauthorized charges, both on and offline. For details view the MasterCard® Guide to Benefits. Yes A printed copy will be mailed to you when you become a cardholder. If your card is lost or stolen, please contact the Service Center by calling the telephone number on the back of your card or (866) 300-6432.


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. You can also check your balance, view your statement, pay your bill, and redeem rewards at paypal.com 24/7.

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 or call (866) 300-6432.


PayPal Extras MasterCard Versus PayPal Smart Connect

What kind of credit does PayPal make available?
As a PayPal customer, you may be eligible for one of our two kinds of credit products:
  • PayPal Extras MasterCard, a MasterCard® credit card that you can use wherever MasterCard is accepted.
  • PayPal Smart Connect Card, which you can access directly through your PayPal account and apply to your PayPal purchases
The PayPal Extras MasterCard and PayPal Smart Connect Card 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
The PayPal Extras MasterCard is a Platinum MasterCard® you can use for all of your purchases in stores and online, wherever PayPal and MasterCard are accepted. The PayPal Extras MasterCard offers you the ability to earn Rewards Points. You earn Triple Reward Points for gas and restaurant purchases, Double Reward Points for PayPal and eBay, and One Reward Point everywhere else MasterCard is accepted. See Rewards Terms. The PayPal Smart Connect Card account can be used anywhere PayPal is accepted. Reward points and Platinum credit card benefits are not available with the PayPal Smart Connect Card

Can I have a PayPal Extras MasterCard and PayPal Smart Connect Card?
No. If approved for a PayPal credit account you may only have one type of account, the PayPal Extras MasterCard or PayPal Smart Connect Card.

Why did I get PayPal Smart Connect when I was applying for a PayPal Extras MasterCard?
By applying you agree that, if approved, GE Capital Retail Bank may provide you with a PayPal Extras MasterCard or a PayPal Smart Connect Product. When you applied for the PayPal Extras MasterCard, you were considered for both the PayPal Extras MasterCard and the PayPal Smart Connect Product. At the time of your application, you were not approved for the PayPal Extras MasterCard. Your account type is determined by a number of factors at the time you apply. PayPal Smart Connect provides you the same level of Extended Buyer Protection Benefits as the PayPal Extras MasterCard, and you'll also receive Verified status with PayPal, zero fraud liability and special promotional financing offers.

If I already have PayPal Smart Connect but would prefer a PayPal Extras MasterCard, how do I switch?
Periodically invitations will be extended to PayPal Smart Connect Card customers to switch to the PayPal Extras MasterCard. At this time, we cannot switch your account from PayPal Smart Connect Card to PayPal Extras outside this invitation process.


Special Promotions

What are exclusive offers?
Exclusive offers are made by merchants on their websites and are available if you use the PayPal Extras MasterCard. These offers may include extended payment or deferred interest plans.

Get Started!

Get a credit decision in 10 seconds, and start shopping immediately.