USES

PayPal Extras Mastercard® from Synchrony Bank Review

PayPal Extras Mastercard® from Synchrony Bank — all information about the credit card.

Updated June 20, 2022
Advertiser Disclosure Our Methodology
Synchrony Bank PayPal Extras Mastercard®
Apply now
Our Rating:
3.7 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3x Points at gas stations and restaurants.
    • 2x Points on purchases made through PayPal and eBay.
    • 1x Point on all purchases wherever Mastercard is accepted.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    19.99% - 26.99% Variable
  • Balance Transfer APR:
    None
Show more

We recommend more cards

Quicksilver Capital One
Capital One Quicksilver Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Divvy Cross River Bank
Divvy
Cross River Bank
None
Annual Fee
None
Regular APR
2x - 7x:
Points on restaurants.
Apply now
On Cross River Bank‘s site
Apply now

Synchrony Bank PayPal Extras Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3X
Gas
$
3X
Dining
$
1X
All other purchases
$
Calculate
Show less details

All benefits

  • Points
    • 3x At gas stations and restaurants.
    • 2x On purchases made through PayPal and eBay.
    • 1x On all purchases wherever Mastercard is accepted.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 19.99% - 26.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • 26.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 23 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • $29
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • High APR
  • No Intro APR period
  • Balance transfers are not available
  • Foreign Transaction Fee

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • Payment Flexibility
  • Rewards
  • Bonus points
  • Purchase Protection
  • Fair Credit
  • Good Credit
  • Excellent Credit

About the issuer

Synchrony Bank
Synchrony Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Low income
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
4.06 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website
Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
SavorOne Rewards Capital One
Capital One SavorOne Cash Rewards Credit Card
4.27 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • 0% Introductory APR for the first 15 months that your account is open
    Purchase Intro APR
Learn more
on our partner’s site
Fair credit
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
3.6 out of 5
Recommended credit score
score
Fair to Good (580-739)
  • $39
    Annual Fee
  • 29.99%
    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
Learn more
on our partner’s site

See Another Credit Cards in the Bank

Synchrony Bank PayPal Extras Mastercard® is an option for those, who need Classic features. With an APR of 19.99% - 26.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Excellent (580-799) credit score. With Synchrony Bank PayPal Extras Mastercard® you will get such features as No Annual Fee, Payment Flexibility, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Unsecured
Destiny® Mastercard® First Electronic Bank
Destiny® Mastercard®
First Electronic Bank
1.47 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.90%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bank‘s site