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Paypal mastercard how to#
Just because it's popular and used by millions all over the world doesn't mean that PayPal is doing things right-at least in terms of ethics and trust.Official User Flairs Thread - Learn how to customize your user flair Do You Support PayPal's Business Practices? At 15,000 points, you can get travel vouchers for hotels, airfare, and car rentals.ĥ.At 6,000 points, you can get a direct cash back reward with money deposited straight into your PayPal balance.At 3,000 points, you can get direct merchandise of various kinds, including houseware, kitchenware, sports gear, electronics, gadgets, and more.At 800 points, you can get gift cards for restaurants, gas stations, retail stores, and more.Here are some of the more interesting things you can get: Obviously, this only matters if you actually care about the stuff you can redeem using your PayPal reward points. On top of that, you get 2x reward points per $1 spent in the PayPal shopping portal (and on eBay). Indeed, a lot of people don't realize that PayPal actually has its own shopping portal and directory where you can find a bunch of deals that you may not find elsewhere. The only reason to choose a PayPal Extras MasterCard over another credit card is if you prefer its rewards program, especially if you shop frequently with PayPal and/or eBay. Just make sure you explore what else is out there first. You may decide that the PayPal Extras MasterCard is still best for you. On the other hand, if you're going to carry a balance from month to month (which you should NOT do if you can help it), then a low-interest option like the Barclaycard Ring MasterCard might be better, which has a 13.99% variable APR and no annual fee. The Discover It Card by Discover is another good one, earning 5% cash back on select categories that change every three months, including gas stations, restaurants, Amazon, wholesale clubs, department stores, and others. It has a $95 annual fee, but you get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% everywhere else. The Blue Cash Preferred Card by American Express is one of the most coveted cards for reward seekers. That was true whether the credit vehicle was PayPal Credit or a PayPal credit card. In 2014, PayPal's VP of Credit noted that " goes up 30% after a customer adopts a PayPal credit vehicle," citing previous studies at the company. Are you responsible with your current finances? If not, you probably won't be with any new debt. It's easy to tell yourself that you'll be responsible with a new credit card, but the only way to know for sure is by being honest with yourself and your current credit situation.
Even if the debt you have is so-called "good debt"-such as a mortgage loan or student loans-you should be wary about taking on more debt. If you're already swimming in debt, grabbing another credit card is one of the last things you should do. Depending on your answers to these five questions, you'll know whether getting one is in your best interests or not. MasterCard's built-in protections against various inconveniences, including identity theft, fraudulent purchases, and price drops within 60 days.īut should you apply for one? There are valid reasons to do so, of course, but there are just as many reasons why you shouldn't.1 point per $1 spent anywhere else, online or offline.
2 points per $1 spent at PayPal and eBay.3 points per $1 spent at gas stations and restaurants.Here's a quick rundown of what you get with a PayPal Extras MasterCard: This is what we'll be focusing on for the remainder of this article. When people talk about PayPal's credit card, 99% of the time they're referring to the PayPal Extras MasterCard, which is an actual credit card provided by Synchrony Bank. The Smart Connect Card is similar, except you get a physical card. It's simply a credit line that's part of your online account and comes with some benefits. PayPal Credit (formerly called Bill Me Later)Īs we learned in our overview of PayPal's consumer services, PayPal Credit isn't actually a credit card.PayPal actually provides three different forms of credit: Should you start using one too? Here's what you need to know to make an informed decision.
Despite its mixed reviews, a lot of people have and use a PayPal Credit Card.
And that's true of the PayPal Credit Card as well.
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