PayPal Extras Mastercard Calculator

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.
Updated 2020-06-17 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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

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


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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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