PayPal Extras Mastercard®

Synchrony Mastercard Pending

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10

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: paypal-extras-mastercard

Issuer: Synchrony

Card Name: PayPal Extras Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:50

Last Scraped: Feb 07, 2026 04:49

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony complies with SCRA, offering eligible active duty Servicemembers benefits like an interest rate reduction to 6% on pre-service obligations. It also complies with the MLA, capping the Military Annual Percentage Rate (MAPR) at 36% for covered borrowers.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas 3x Points Earn 3 points per $1 on purchases at merchants classified as gas stations. No Cap
Dining 3x Points Earn 3 points per $1 on purchases at merchants classified as restaurants. No Cap
PayPal & eBay 2x Points Earn 2 points per $1 on purchases made at merchants classified as PayPal and eBay. No Cap
All Other Purchases 1x Points Earn 1 point per $1 on all other eligible purchases. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x PayPal & eBay, 2x Gas & Restaurants

Quarterly Rotating: No

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

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 2,500 points ($25). Value may vary for merchandise or gift card redemptions.

Benefits & Protections (Detailed) 10 Total
PENDING
Dining 1
Accelerated Rewards on Gas & Restaurant Purchases
2 points per $1

Earn 2 points for every $1 spent on eligible purchases at gas stations and restaurants.

Financial 1
No Annual Fee
$0

The card does not charge an annual fee for card membership.

Lifestyle 1
Flexible Rewards Redemption
Varies by redemption option

Redeem accumulated points for cash back, gift cards, or travel.

Purchase Protection 2
Extended Warranty
Up to 1 additional year, up to $1,000 per claim, $10,000 per cardholder per 12-month period

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when the original warranty is five years or less. Coverage applies to eligible items purchased with the card.

Purchase Protection
Up to $1,000 per claim, $50,000 per cardholder per 12-month period, for 90 days from purchase date

Covers eligible new purchases against theft or damage for 90 days from the date of purchase. Coverage applies to eligible items purchased with the card.

Security 2
Zero Liability Protection
Full protection

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

Mastercard ID Theft Protection™
Varies by service

Provides identity theft resolution services, including proactive monitoring of credit file, internet scanning, and assistance with identity restoration if identity theft occurs.

Shopping 2
Accelerated Rewards on PayPal & eBay Purchases
3 points per $1

Earn 3 points for every $1 spent on eligible purchases made through PayPal and eBay.

Standard Rewards on All Other Purchases
1 point per $1

Earn 1 point for every $1 spent on all other eligible Mastercard purchases.

Travel 1
Mastercard Global Service™
24/7 assistance

Provides 24/7 emergency assistance for card-related needs, including lost or stolen card reporting, emergency card replacement, and emergency cash advance.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
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% - 31.24%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Special Financing Offer

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 months. Minimum monthly payments are required.
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: For 2026, the PayPal Extras Mastercard is projected to offer a rewards structure of 3X points on gas and restaurant purchases, 2X points on PayPal and eBay purchases, and 1X point on all other eligible purchases. Points are redeemable for cash back, gift cards, or PayPal credit. Eligibility requirements include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number or ITIN, and possessing a good to excellent credit history. Synchrony's underwriting is sensitive to recent credit applications and existing credit exposure with the issuer. Approval is subject to creditworthiness and Synchrony's internal risk assessment.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (numerous recent applications), high cumulative credit limit across all Synchrony accounts, abuse of rewards programs (e.g., excessive returns on bonus categories), prolonged account inactivity, late payments or defaults on any Synchrony-issued product.

Cliff Effect Rules: Synchrony does not typically enforce 'card family' bonus restrictions. However, approval for new credit cards and credit limit increases are heavily influenced by the applicant's total credit exposure across all existing Synchrony accounts. A high cumulative credit limit with Synchrony can significantly impact the ability to obtain new cards or substantial credit limit increases.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards on PayPal and gas purchases, no annual fee, widely accepted as a Mastercard.

Top Negative:
Rewards structure can be complex, customer service experiences with Synchrony vary, not optimal for all spending categories.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • Citi Double Cash Card
  • Discover it® Chrome

Card Value Score: 75.0 / 100

Est. Annual Rewards: $348.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0