Credit Cards » PayPal

PayPal Credit Cards Alternatives

PayPal, a company well known for making money transfers easy, recently released its own credit card called the PayPal Extras MasterCard. It is linked to a person's Paypal account. The Paypal credit card offers members a way to earn rewards for everyday purchases, which can then be redeemed for cash, travel vouchers, gift cards and merchandise. There is no annual fee for this card.

  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
No Credit NeededN/AN/AN/A$0
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a25.15%$0
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • See if you Pre-Qualify without harming your credit score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.65% - 24.15% Variable$0 - $99
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average, Fair, LimitedN/AN/A24.99% (Variable)$0
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • Easy Monthly Payments.
  • 20-50% MSRP*.
  • Brands you love featuring closeouts and overstock.
  • New deals added weekly.
  • No annual account fee.
  • *See site for details.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / Goodn/an/a25.15%$0
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.65% - 24.15% Variable$0 - $99

More Rewards with PayPal Extras Card

Since its launch in 2000 Paypal has become the go-to source for many consumers and businesses looking for a secure, fast and easy way to transfer money. Now they have launched a credit card issued by GE Money Bank, called the Paypal Extras MasterCard. This card comes with MasterCard Platinum benefits, while also offering members a way to earn rewards while they spend.

Consumers can apply for PayPal Credit Card online and they may be approved right away, but it can also take up to a few weeks. While it may take up to 21 days to get your credit card in the mail, once approved a temporary line of credit will automatically be added to your Paypal account, so you can begin using it right away. They also provide members with zero liability if unauthorized purchases are made with their credit card.

The Paypal credit card can be used anywhere that accepts MasterCard, and with each purchase members can earn reward points at a rate of one point for every dollar spent. However, as its name suggests, it provides members with extra reward earning potential - offering double rewards on eBay and PayPal purchases, since eBay is Paypal's sister company.

Members also earn triple reward points on gas and restaurant purchases. All of which can be redeemed for PayPal Rewards. As you accumulate PayPal rewards you can redeem them for airline tickets, hotel rooms, rental cars, merchandise, vacations, gift cards and vacations.

With the PayPal credit card members can also trade in their points for PayPal Cash, which can be deposited directly into their PayPal account in $50 increments. There is a 50,000 cap on the amount of points you can earn in a year. Also, it's important to keep your account active. If you don't use your card for 12 consecutive months you will lose your points.

Since PayPal credit cards are part of the MasterCard family, members also have access to MasterCard platinum benefits, which includes access to a wide range of programs, including extended warranty, purchase protection, concierge services, and travel protection programs.

For consumers who have a Paypal account the Paypal Extras MasterCard, may well be attractive, since they can redeem their points directly through their account. There is no annual fee for this card, and you will need a credit score that falls in the 600-700 range to be approved for Paypal Credit Cards.