Paypal Extras Mastercard

Card Review & PayPal Rewards Points Calculator
3x Restaurants
3x Gas Station
2x PayPal
2x Ebay

Review the benefits of the PayPal Extras Mastercard, calculate how many PayPal Rewards Points you can earn based on spend, and compare results to top cards.


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
  • 3x Restaurant
  • 2x Paypal
  • 2x Ebay
  • 1x Non-Category

With Paypal Points being worth 0.83 cents each, you're looking at a 2.49% return on the 3x categories, 1.66% return on the 2x categories, and a 0.83% return on all non-category purchases. There are higher earning credit cards for both gas stations and restaurant purchases. You can also use a standard 2% cash back credit card such as the Citi Double Cash to earn a higher return on Paypal, Ebay, and non-category purchases.

Perks & 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.

One thing worth noting is that PayPal offers targeted promotions and bonuses occasionally which can earn you a great deal of points for minimal spend. These are 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 (SUB)

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

Fees

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 other rewards card side-by-side by clicking on the Compare A Card button.
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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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...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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
0
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
$0
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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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.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
$0
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.
$0
Total Return
The percent you are earning per dollar spent on this card.

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