eBay Mastercard®

Synchrony Mastercard Pending

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11

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: ebay-mastercard

Issuer: Synchrony

Card Name: eBay Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 11:40

Last Scraped: Feb 07, 2026 06:05

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Online Shopping 3x Points Eligible purchases made on eBay.com No Cap
Gas 2x Points Eligible purchases at gas stations No Cap
Dining 2x Points Eligible purchases at restaurants No Cap
All Other Purchases 1x Points All other eligible purchases not categorized as eBay, gas, or restaurant purchases No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on first $1,000 in eBay purchases per calendar year; 3x on eBay purchases after $1,000; 2x on gas and restaurant purchases

Quarterly Rotating: No

Cap Amount: $1,000.00

Expiration Policy: Rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 11 Total
PENDING
Lifestyle 1
Mastercard Priceless Experiences
Access to exclusive experiences

Provides access to unique experiences, offers, and events in cities around the world, curated exclusively for Mastercard cardholders.

Purchase Protection 2
Purchase Protection
Up to $1,000 per claim / $50,000 per cardholder per year

Covers eligible new purchases made with the eBay Mastercard against damage or theft for a specified period (typically 90-120 days) from the date of purchase.

Extended Warranty
Up to 1 additional year / $10,000 per claim

Doubles the original manufacturer's or store brand warranty for eligible items purchased with the eBay Mastercard, up to a maximum of one additional year.

Security 2
Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their eBay Mastercard. Cardholders are not held responsible for fraudulent charges.

Mastercard ID Theft Protection
Monitoring, alerts, resolution services

Provides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with restoring identity if theft occurs.

Shopping 4
eBay Rewards - 5x Points on eBay Purchases
5 points per $1

Earn 5 points for every $1 spent on eligible eBay purchases when paying with your eBay Mastercard.

eBay Rewards - 2x Points on Gas, Restaurants, Groceries
2 points per $1

Earn 2 points for every $1 spent on eligible gas, restaurant, and grocery store purchases when paying with your eBay Mastercard.

eBay Rewards - 1x Points on Other Purchases
1 point per $1

Earn 1 point for every $1 spent on all other eligible purchases where Mastercard is accepted, when paying with your eBay Mastercard.

eBay Rewards - Redemption for eBay Gift Cards
Varies based on points accumulated

Accumulated eBay Rewards points can be redeemed for eBay Gift Cards, which can be used for purchases on eBay.com.

Travel Insurance 2
Mastercard Global Service
Emergency assistance

Provides emergency assistance services worldwide, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.

Car Rental Collision Damage Waiver
Secondary coverage

Provides secondary coverage for damage due to collision or theft of a rental vehicle when the entire rental transaction is paid for with the eBay Mastercard and the cardholder declines the rental company's collision damage waiver (CDW/LDW).

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$150

Cash Back

Requirement: Spend $500 in 90 days

Timing: Statement credit will be applied to your account within 1-2 billing cycles after you meet the spend requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The eBay Mastercard, issued by Synchrony, is projected to maintain its core reward structure in 2026, offering enhanced rewards on eBay purchases and bonus categories like gas, restaurants, and groceries. Application eligibility typically requires a good to excellent credit score (FICO 670+ recommended), being at least 18 years of age, having a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and being a U.S. resident. New cardholders can generally expect a sign-up bonus, often a statement credit (e.g., $50-$100) after making their first purchase or spending a specified amount within an initial period (e.g., 30-90 days). Synchrony reserves the right to deny applications based on credit history, existing credit relationships with Synchrony, or overall credit exposure.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive credit utilization on Synchrony cards, frequent balance transfers, sudden large purchases inconsistent with spending patterns, multiple recent applications for Synchrony products, payment defaults on any Synchrony account, or suspected fraudulent activity.

Cliff Effect Rules: While there isn't a direct 'cliff effect' for bonus eligibility between different eBay card versions (as the Mastercard is the primary offering), Synchrony is known to manage overall credit exposure. Applying for or holding too many Synchrony-issued cards (generally exceeding 5-7 accounts) or accumulating a very high total credit limit across their portfolio can lead to application denials or even account closures, as Synchrony assesses cumulative risk rather than specific card family restrictions.

Special Events: Expect targeted promotions during major eBay sales events such as eBay's Anniversary Sale, specific category sales (e.g., 'Tech Deals,' 'Home & Garden Savings'), and exclusive offers for eBay Plus members. These often include bonus points or discounts when using the eBay Mastercard.

Holiday Promos: Key promotional periods will align with major shopping holidays: Black Friday/Cyber Monday (late November), Christmas/Holiday Season (December), Valentine's Day (February), Mother's Day (May), Father's Day (June), Back-to-School (August), and other seasonal sales events.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards for frequent eBay shoppers, no annual fee, useful bonus categories (gas, dining, groceries), and easy redemption for eBay Bucks. Good for building credit.

Top Negative:
Reports of poor Synchrony Bank customer service, high APR for some users, limited flexibility as rewards are only for eBay Bucks, and potential for low credit limits or credit limit decreases.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • PayPal Cashback Mastercard
  • Citi Custom Cash Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $270.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0