PayPal Extras Mastercard Cash Value Calculator

Paypal Extras Mastercard

3x Restaurants
3x Gas Station
2x PayPal
2x Ebay

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The PayPal Extras Mastercard is a decent choice for anyone who does a great deal of spending on Ebay and Paypal. It rewards you for spending done with both PayPal and Ebay along with giving you a little bit of extra for using the card on gas and restaurant purchases. Unfortunately, PayPal Points are really worth that much and some redemptions require you to draw out your plan in advance due to a 21-day restriction. If you're big on Ebay and Paypal, you're better off with the PayPal Cashback Mastercard.

Bonus Categories

The PayPal Extras Mastercard features four bonus categories. Those bonus categories are gas station, restaurant, PayPal purchases, and Ebay purchases. There is no cap on any of the bonus categories and no limit to the amount of PayPal Points you can earn using the card.

3x Gas Station

Gas Station purchases on the PayPal Extras Mastercard earns 3 PayPal Points per $1 spent. PayPal Points are worth 0.83 cents each when redeemed for cash, so you're looking at a 2.49% return on gas which is okay. There are tons of other cards that earn a better rate on gas station purchases. You can earn 5% cash back with both the Ducks Unlimited Visa and Sam's Club Mastercard or 4% cash back with the PNC Cash Rewards Visa.

3x Restaurant

Using the PayPal Extras Mastercard for restaurant purchases will earn you 3 PayPal Points per $1 spent. This is equal to a 2.49% return which isn't bad when it comes to dining, but there's room for improvement. You can easily find credit cards that earn a 3% or higher return on restaurant purchases.

2x Paypal

When you use the PayPal Extras Mastercard for Paypal purchases, you will earn 2 PayPal Points per $1 spent. This is equal to a 1.66% return when you redeem these points for cash. This is a pretty low return in which the PayPal Cashback Mastercard would earn you a better return of 2%. You can also get the same return using the Citi Double Cash Card.

2x Ebay

The Paypal Extras Mastercard earns 2 PayPal Points per $1 spent on Ebay purchases. This is again equal to a 1.66% return when it comes to cash redemptions and you could earn a better rate using a 2% cash back card such as the already mentioned PayPal Cashback Mastercard and Citi Double Cash.

1x Non-Category

All purchases made on the PayPal Extras Mastercard outside of the bonus categories listed above will earn 1 PayPal Point per $1. This is less than 1% earnings meaning just about any other card can get you a better return. I would not recommend using this card for non-category spend.

Perks and Benefits

There aren't really any perks specific to the PayPal Extras Mastercard outside of the standard benefits you would receive for it being a Mastercard. This is things such as extended warranty, 60-day price protection, and identity theft alerts.

I will say that they do give out targeted promotions and bonuses occasionally which can earn you a great deal of points for minimal spend. This is promotions such as 'Earn 6,000 points when you spend $500 on the card'. These promotions can be a good way to build points.

Sign Up Bonus

The Paypal Extras Mastercard does not have a standard sign up bonus.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The PayPal Extras Mastercard does not have an annual fee. This means you can earn a decent return on your points without having to worry about meeting a certain amount of spend every year to make the card worth it.

Authorized User Fee

There is no authorized user fee for the PayPal Extras Mastercard. If you have friends or family that spend in these categories, adding them as additional users will help you build points.

Foreign Transaction Fee

The PayPal Extras Mastercard has a foreign transaction fee of 3%. This fee is higher than the value of Paypal Points which means using this card for international travel or international spending will eat away your rewards faster than you can earn them. If you're love PayPal but don't love that fee, you can check out the PayPal Cashback Mastercard which doesn't have an annual fee or authorized user fee.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2019-09-22

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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