PayPal Extras Mastercard
Basic Information
Program ID: paypal-extras-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:50
Last Scraped: 01/15/2026 08:32
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No sign-up bonus currently advertised on the application page.
Rewards Program
Reward Type: N/A - Card Discontinued
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: The PayPal Extras Mastercard was discontinued by Synchrony in 2020. There are no reward details for January 2026 as the program no longer exists. Existing cardholders were either transitioned to the PayPal Cashback Mastercard or had their accounts closed.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Card Discontinued
Transfer Partners: N/A - Card Discontinued
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility for the PayPal Extras Mastercard (2026) requires applicants to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident, possess a valid Social Security Number or ITIN, and demonstrate sufficient income to support new credit. A good to excellent credit score (typically 670+) is generally required for approval. Synchrony is sensitive to recent credit applications and total credit exposure across all Synchrony-issued accounts. Bonus rules typically involve earning accelerated points on eligible purchases, often including PayPal transactions, gas, and restaurant categories. Specific sign-up bonuses require meeting a defined spending threshold within a specified timeframe (e.g., 3 months from account opening). Points are redeemable for cash back, gift cards, or PayPal credit. While a general-purpose Mastercard, its rewards structure is intrinsically linked to the PayPal ecosystem.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (too many recent applications with Synchrony), high cumulative credit limit across Synchrony accounts, defaulting on other Synchrony products, suspicious account activity, non-compliance with terms of service, or extended periods of inactivity on the card.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Good rewards on gas and restaurants. No annual fee. Easy to link with PayPal account. Decent for building credit.
Top Negative Feedback:
Frequent complaints about Synchrony customer service. Low initial credit limits. High APR. Rewards redemption can be clunky.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- PayPal Cashback Mastercard
- Chase Freedom Flex
- Citi Custom Cash
Card Value Score: 60.0 / 100
Est. Annual Rewards: $315.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% Store / 100% Co-brand
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 65.0%
Terms Version Control
Version ID: v1.0