eBay Mastercard®
Basic Information
Program ID: ebay-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 11:40
Last Scraped: 01/15/2026 11:41
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $15,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Cashback/Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x eBay (up to $1,000 spend annually), 2x Gas, 2x Restaurants
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Bonus Rule: Earn 5x points per $1 on the first $1,000 in eBay purchases each calendar year, then 3x points per $1. Earn 2x points per $1 on gas and restaurant purchases, and 1x point per $1 on all other Mastercard purchases. Sign-up bonuses typically include a statement credit after the first purchase or after meeting a modest spend threshold (e.g., $100 statement credit after spending $500 in the first 90 days). Application Rules: Applicants must be 18+ years old, a U.S. resident, possess a valid Social Security Number, and demonstrate stable income. A good to excellent credit score (typically FICO 670+) is generally required, though Synchrony may approve with slightly lower scores for store-branded cards. Existing Synchrony cardholders may face stricter approval criteria based on their overall credit exposure with the issuer.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across Synchrony accounts, excessive credit applications (app-o-rama), failure to make timely payments, prolonged account inactivity, and abuse of rewards programs or return policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Excellent rewards for frequent eBay shoppers, especially with the 5x points on eBay purchases. No annual fee and useful bonus categories for gas and restaurants. Easy reward redemption for statement credits or eBay coupons.
Top Negative Feedback:
Frequent complaints about Synchrony Bank's customer service. The 5x points on eBay are capped at $1,000 annual spend, which can be limiting for high spenders. High APR and some users report unexpected account closures or credit limit reductions.
Approval Experience Score: 72.5 / 100
Recommended Alternatives
- PayPal Cashback Mastercard
- Amazon Prime Rewards Visa Signature
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 67.5 / 100
Est. Annual Rewards: $280.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 30% eBay / 70% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0