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.

  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.90% - 24.40% Variable$0 - $99
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% (12 months (on balance transfers made within 45 days of account opening))N/A16.49%, 20.49% or 23.49%* Variable$89 - waived first year
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/BadN/AN/ASee Terms*See Terms*
  • 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.
  • *Dependent on credit worthiness
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)N/A12.49%, 20.49% or 25.49% variable$0

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.