eBay Mastercard Review (2023)

Co-branded credit cards, a staple of physical storefronts, are increasingly being adopted by digital storefronts as well.

The eBay Mastercard® is one of the eCommerce giant’s co-branded credit cards (in conjunction with Synchrony Bank). Similar to how most store-specific cards work, this Mastercard lets you earn extra rewards by shopping on eBay. If your business makes or spends a lot through eBay, this card could be worth a closer look — even if you don’t intend to use the card for other purchases.

This is not a business-specific credit card and is instead marketed as a consumer card. Accordingly, it won’t include features such as employee cards, and it may not directly affect your business’s credit history. However, using a personal card for business still comes with an array of unique benefits.

Read on to dig into the details of eBay’s Mastercard.

Table of Contents

  • The eBay Mastercard At A Glance
  • Eligibility
  • Rewards For Spending
    • 3 Points Per $1 On eBay Purchases
    • More Points Once You Spend $1,000
    • Double Points For Select Categories
  • Redeeming Rewards
    • $10 Credit For Every 1,500 Points
    • Points Expire After 2 Years
    • Points Can’t Be Redeemed On All Items
  • Card Benefits
    • Basic Credit Card Security
    • Travel Perks
    • A High-Ish APR
    • No Annual Fee
    • Watch Out For Foreign Transaction Fees
    • Other Fees
  • Is The eBay Mastercard Right For You?

The eBay Mastercard At A Glance

eBay Mastercard

eBay Mastercard Review (1)

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Neither eBay nor Synchrony Bank is clear regarding recommended credit scores for potential applicants. As such, you’ll want to aim for your credit score to be as healthy as possible before applying.

Don’t know your credit score? Check it out on one of our favorite free credit score websites and find out today!

As is standard with credit cards, you need to be 18 years of age or older and live in the US. Additionally, current eBay Extra Mastercard holders are not eligible to apply for the eBay Mastercard.

Rewards For Spending

Rating: Fair

eBay bundles this card with a unique rewards scheme. Instead of capping the rewards rate after reaching a specific spending threshold, you actually earn at a quicker clip the more you spend. Sadly, no welcome offers are currently active.

3 Points Per $1 On eBay Purchases

This card’s standard rate for eBay purchases is 3 points for every dollar you spend on the shopping website.

Note that purchases made outside of US-based merchants on eBay won’t collect points at the triple rate. Instead, shopping with international merchants or making payments in currency other than US dollars will only collect 1 point per dollar spent. It’s worth keeping this in mind if you frequently bid on items outside the US.

More Points Once You Spend $1,000

The bit that makes this card’s points scheme unique is what happens once you pass $1,000 spent on eBay in a calendar year. After you’ve hit that $1,000 threshold, eBay purchases will be bumped up to 5 points per dollar spent.

Shopping with international merchants or making payments in currency other than US dollars don’t count toward the $1,000 threshold. Additionally, those activities won’t net the 5x rate; they’ll be stuck with 1 point per dollar spent.

Double Points For Select Categories

Select categories outside of eBay will also net extra points at 2 points per dollar spent. At the time of writing, the 2x point categories are gas stations, restaurants, and grocery stores.

All other purchases with the eBay Mastercard will snag you 1 point per dollar.

Redeeming Rewards

Rating: Poor

While the eBay Mastercard has a decent rewards structure, this card falls apart with its redemption method. You only have one option for redemption, and the rate at which you redeem points is quite low.

$10 Credit For Every 1,500 Points

The sole way to redeem your points earned with the eBay Mastercard is simple: For every 1,500 points you collect, you can redeem $10 at checkout on eBay purchases.

This redemption rate is ultimately quite tragic if you intend to use this card for anything besides eBay purchases. A single point is effectively worth 0.67% cash back ($10 / 1,500 points = 0.67%). As such, regular purchases beyond the bonus spending categories should be avoided.

Buying in a double points category (gas, restaurants, and groceries) will net you effectively 1.33% cash back. While this rate isn’t terrible, plenty of other cards offer higher returns in those categories.

All that said, if you plan to use this card solely for buying on eBay, it could be worth it. Because the card earns 3 points per dollar on eBay purchases, it effectively offers a 2% cash back rate when buying on eBay (0.67% x 3 points = 2%). Once you cross $1,000 spent on eBay purchases in a year, you’ll earn 3.33% cash back for eBay purchases. That is a healthy rate indeed, and it means frequent buyers could rake in solid rewards by using this card for spending on eBay.

Points Expire After 2 Years

If you do not reach the 1,500 point threshold or fail to redeem your points if you do, your points will expire after 24 months. However, heavy eBay shoppers should not need to worry about points expiring; you’ll reach the necessary threshold by spending at least $500 on eBay purchases.

Points Can’t Be Redeemed On All Items

It’s also noteworthy that points are restricted from being redeemed for purchases on items in select categories. These categories are:

  • Coins
  • Paper money
  • Bullion
  • Classifieds
  • Real estate
  • Motors (except parts and accessories)

You also may not redeem points for shipping, taxes, invoicing fees, or seller fees.

Card Benefits

Rating: Fair

There are a few other standard credit card benefits with the eBay Mastercard.

Basic Credit Card Security

You’ll be able to access Mastercard’s 24/7 global assistance service. The available 24-hour services provide assistance with lost and stolen card reporting, emergency card replacements, and emergency cash advances.

The eBay Mastercard additionally has identity theft resolution services and zero-liability protection. You can expect access to ID theft alerts, card replacement, and ID theft assistance. As with its global assistance services, Mastercard provides identity theft services around the clock.

Travel Perks

Mastercard also provides access to a 15% discount on airport meet-and-greet services. This feature allows for a meet-and-greet agent to escort your airport journey on departure, arrival, or any connecting flights at over 700 destinations globally. The service is available 24/7.

Finally, eBay advertises that this card will grant you access to “hidden-gem experiences” and “special-access events” across the globe.

eBay Mastercard Rates & Fees

Rating: Good

The eBay Mastercard wonderfully lacks an annual fee, but there are other standard fees to keep in mind — and the APR doesn’t look great, either.

A High-Ish APR

With an APR that ranges from 19.99% - 26.99% (variable), this card may not be the best choice for those that need to carry a balance. However, as long as you pay off your balance every month, you won’t be troubled by a potentially hefty APR.

No Annual Fee

The highlight of this section is the card’s absence of an annual fee. Without an annual fee, you’ll always be in the black when it comes to the rewards you earn — something that’s especially key considering eBay Mastercard’s low rewards rates.

Watch Out For Foreign Transaction Fees

Foreign transactions will also cost you an extra 3% per transaction, so busy travelers may want to use this card strictly for domestic purchases.

Other Fees

There is a relatively standard cash advance fee of $10 or 5% of the cash advance amount (you’ll have to pay whichever is higher). Late payment fees can max out at $39.

Is The eBay Mastercard Right For You?

You might want to apply for the eBay Mastercard if:

  • You regularly shop on eBay and can make the limited rewards rates worth it
  • You want to avoid annual fees
  • You’re fine with a card that only allows redeeming rewards at eBay checkout

You might want to look for a different card if:

  • You rarely shop at eBay and plan to use this card regularly on non-eBay purchases
  • You will be traveling abroad and won’t be using a different credit card
  • You’d prefer a card that offers more flexible redemption methods, such as gift cards or cash back


What credit score is needed for eBay Mastercard? ›

The credit score needed for the Ebay Credit Card is 700, at a minimum. That means people with good credit or better have a shot at getting approved for the Ebay Credit Card.

What bank owns eBay Mastercard? ›

The eBay Mastercard, issued by Synchrony Bank, allows you to earn and redeem dedicated points at the online marketplace. Its reward-redemption options are restrictive, but those who spend heavily on the site may find that this card's high rewards rate more than compensates.

Is there an annual fee for eBay Mastercard? ›

With no annual fee. Earn 5X points for the rest of the year after you spend $1,000 on eBay in a calendar year. Until then, earn 3X points per $1 spent up to $1,000 on eBay in a calendar year.

What is the starting limit for eBay Mastercard? ›

The Ebay Credit Card credit limit is usually around $500 to start, according to forum posts, and some cardholders report limits as high as $2,000. The issuer does not include any specific credit limit information in the card's terms, though.

Should I have 3 credit cards? ›

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

Does eBay build credit? ›

The eBay Mastercard ® and PayPal Credit give your shopping an upgrade.
Boost your buying power!
Earn up to 5x Points on eBay with the eBay Mastercard.Flexible financing options available with PayPal Credit.
Get a credit decision in secondsYesYes
If approved immediately, make a purchase immediatelyYes***Yes
Add authorized usersYes §No
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Can I use my eBay Mastercard at Walmart? ›

A: You can use the eBay Mastercard as a payment source on eBay, in your PayPal account and anywhere that Mastercard is accepted, in stores and online.

What is a good credit score? ›

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

Can I use my eBay mastercard anywhere? ›

You can also use your eBay Mastercard to pay for anything where Mastercard is accepted. You'll earn the following points on these purchases too: 2 points for every $1 on gas, groceries, and at restaurants. 1 point for every $1 on all other purchases.

Does eBay still charge monthly fees? ›

eBay Store subscription fee per month

eBay will bill you for your Store every month until you cancel your subscription. To find out how fees are charged when you change your Store level or cancel your subscription/close your Store, please read the Stores Subscription Terms of Service.

Does eBay affect credit score? ›

Yes, of course your credit score is affected when payments are late. They're impacted even more if the account is turned over to collections.

What is the maximum credit limit on Mastercard? ›

There is no set minimum or maximum Mastercard credit limit, as credit lines are left entirely up to the discretion of individual credit card issuers. In addition, the limits that issuers set on individual Mastercard credit cards can vary widely from cardholder to cardholder.

Can eBay cards be converted to cash? ›

eBay Gift Cards are non-refundable and cannot be redeemed for cash, unless required by law. eBay Gift Cards and Gift Certificates never expire, and there are no fees. See the eBay Gift Card Terms and Conditions.

How much is 1500 eBay points worth? ›

You may only redeem your Reward Points for purchases and any related taxes and shipping fees on www.ebay.com. To redeem, you must earn 1,500 Reward Points. Every 1,500 Reward Points earned will equate to $10.00 which may be applied to such purchases during checkout on www.ebay.com.

What is the highest credit score? ›

Here are FICO's basic credit score ranges:
  • Exceptional Credit: 800 to 850.
  • Very Good Credit: 740 to 799.
  • Good Credit: 670 to 739.
  • Fair Credit: 580 to 669.
  • Poor Credit: Under 580.

Does too many credit cards hurt credit score? ›

Having too many open credit lines, even if you're not using them, can hurt your credit score by making you look more risky to lenders. Having multiple active accounts also makes it more challenging to control spending and keep track of payment due dates.

What raises credit score? ›

One of the best things you can do to improve your credit score is to pay your debts on time and in full whenever possible. Payment history makes up a significant chunk of your credit score, so it's important to avoid late payments.

How long does eBay credit take? ›

The buyer will be refunded through their original payment method, and you may be eligible for fee credits. In most cases, the refund takes 3 to 5 business days to process. However, depending on the payment method the buyer used, it can take up to 30 days. Learn more about how refunds work.

How do I cancel my credit card on eBay? ›

You can cancel your Ebay Credit Card at any time by calling customer service at (844) 435-0237. Closing your Ebay Credit Card account will not cost you anything.

Does eBay pay to your bank? ›

As an eBay seller, you'll receive your payouts in your linked bank account. Once the buyer's order is confirmed, you can post the item. The selling fees and other costs are automatically deducted, and your sales proceeds will show as Processing funds.

Why is eBay not accepting my Mastercard? ›

Your card will be declined if it is out of date. If you're using a new card for the first time, make sure it has been activated. If you're not sure how to activate your card, contact your card issuer. You have sufficient funds.

What is eBay credit? ›

If there was an issue with an order that you resolved, you may qualify for a credit of some or all of the fees you paid. You may be eligible for fee credits when the buyer receives a refund. For eligible partial refunds, fee credits are proportional to the refund that the buyer receives.

Can I use my Walmart Mastercard on Amazon? ›

The latter can only be used at Walmart stores, Walmart.com, Sam's Club, and its associated gas stations. The Walmart Mastercard, however, can be used anywhere Mastercard is accepted. Only the Capital One® Walmart Rewards™ Card can be used everywhere Mastercard is accepted.

Can you have a 900 credit score? ›

Depending on the type of scoring model, a 900 credit score is possible. While the most common FICO and VantageScore models only go up to 850, the FICO Auto Score and FICO Bankcard Score models range from 250 to 900.

What is a realistic credit score? ›

For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750.

How to get a 720 credit score in 6 months? ›

What Do I Need to Do to Improve My Credit Score in 6 Months?
  1. Review Your Credit Reports and Scores. Start your credit improvement plan by figuring out where your credit stands now. ...
  2. Avoid Late Payments. ...
  3. Lower Your Credit Utilization Rate. ...
  4. Add Positive Accounts to Your Credit Report.
Jul 27, 2021

Is 9.9 a good interest rate on a credit card? ›

A good APR for a credit card is anything below 14% -- if you have good credit. If you have excellent credit, you could qualify for an even better rate, like 10%. If you have bad credit, though, the best credit card APR available to you could be above 20%.

What is a good APR for a credit card? ›

A good APR is around 16%, which is the current average for credit cards. People with bad credit may only have options for higher APR credit cards. Some people with good credit may find cards with APR as low as 12%. A good starting point is looking for credit cards with 0% interest intro periods of up to 21 months.

Is it safe to give eBay your credit card? ›

We'll secure your card and won't share your card details with the seller. If you'd like us to save the card details for your next purchase, select Remember this card for future orders. Review your order, including your shipping details. Select Confirm and pay.

Where can I not use my Mastercard? ›

Mastercard is not accepted at stores and merchants (like vendors at a local fair, for instance) that only take cash or at retail chains that have an exclusive agreement with another card network. For example, Costco accepts Mastercard only for online purchases.

Does the eBay Mastercard have an app? ›

You can use your eBay Mastercard at eBay or within your PayPal account, and you can use it anywhere Mastercard is accepted. Your account is also accessible around the clock through your online account or the Synchrony app, making managing your card simple, even without a physical branch.

Can you use a pre paid Mastercard on eBay? ›

The following types of gift cards aren't allowed: Electronically delivered gift cards (from non-approved third party retailers) Prepaid credit cards (or money cards) from American Express, Discover, Mastercard, or Visa.

How do I avoid monthly fees on eBay? ›

Avoiding eBay fees is not allowed, whether intentional or not. Sellers attempting to avoid eBay fees create risk for themselves, and a poor experience for buyers.

Why did eBay stop using PayPal? ›

Why eBay abandoned PayPal. eBay says it's moving from PayPal to Adyen in order to “improve its customer experience” by intermediating payments on its marketplace. “In doing so, eBay will manage the payments flow, simplifying the end-to-end experience for buyers and sellers,” the company said in a statement.

Does eBay have hidden fees? ›

In addition to insertion fees, eBay also charges what's known as a final value fee on all successfully sold items. This fee is calculated as a percentage based on the total sale amount plus a $. 30 payment processing fee per order.

Can eBay be trusted? ›

eBay is a legitimate shopping resource, and most people have good experiences while using the site. However, there are many eBay scams that you need to watch out for to protect yourself. Whether you buy or sell on the site, you should know about major eBay scams so you don't become a victim.

What is the safest payment method on eBay? ›

Credit cards, debit cards, Apple Pay, Google Pay, and PayPal are our recommended payment methods, but you can also offer buyers other payment methods. To help avoid issues with a transaction, we don't recommend accepting cash unless the buyer is paying on pickup.

Why is eBay charging my bank account? ›

If you don't have enough funds to cover your fees or selling costs, we'll charge either your on-file payment method, such as a credit or debit card, or linked payout bank account.

What credit limit can I get with a 750 credit score? ›

The credit limit you can get with a 750 credit score is likely in the $1,000-$15,000 range, but a higher limit is possible. The reason for the big range is that credit limits aren't solely determined by your credit score.

How much should I spend on my credit card if my limit is $200? ›

To keep your scores healthy, a rule of thumb is to use no more than 30% of your credit card's limit at all times. On a card with a $200 limit, for example, that would mean keeping your balance below $60. The less of your limit you use, the better.

What credit card has a $100000 limit? ›

On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.

Do you need the pin to use an eBay card? ›

eBay gift cards should be activated at the retailer location at the time of purchase; there may be a delay of several hours before the card number can be used to make a purchase. Anyone with access to the 13 digit redemption code including the pin can use the card.

Can you use an eBay Gift Card on Amazon? ›

How do I use my eBay gift card on Amazon? You can't use a eBay card on Amazon. They are owned by two different companies and don't accept others gift cards.

Is eBay Mastercard hard to get? ›

The credit score needed for the Ebay Credit Card is 700, at a minimum. That means people with good credit or better have a shot at getting approved for the Ebay Credit Card.

Does eBay Mastercard have an annual fee? ›

With no annual fee. Earn 5X points for the rest of the year after you spend $1,000 on eBay in a calendar year. Until then, earn 3X points per $1 spent up to $1,000 on eBay in a calendar year. Earn 2X points per $1 spent on gas, restaurant, and groceries.

What credit score do you need for Amazon Mastercard? ›

To get approved for this card, you'll need to have a good credit score of at least 670, though having a higher one certainly won't hurt your chances.

What credit score is needed for a PayPal Mastercard? ›

A credit score of 670 or higher is recommended to apply for the PayPal Cashback Mastercard®. Like most of the top credit cards, it's intended for consumers who have good credit.

What is a good credit score for Mastercard? ›

For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750.

What credit score does PayPal credit require? ›

Alternative Credit Card Option

The PayPal Cashback Credit Card requires at least good credit (a credit score of 700+) to get approved.

Can I get an Amazon credit card with a 630 credit score? ›

The Amazon.com Store Card requires a credit score of at least 640. That means people with fair credit or better have a shot at getting approved for this card. The better your credit score is, the higher your approval odds will be.

What credit score is needed for JCPenney credit card? ›

The JCPenney Credit Card requirements for approval include having a credit score of at least 640 (fair credit), and enough income to make monthly minimum payments. Plus, applicants must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number.

Can I get an Amazon credit card with a 600 credit score? ›

Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.

Is PayPal Mastercard a soft pull? ›

An approved PayPal Cashback Mastercard application will result in a hard credit inquiry, which may impact your credit bureau score. ²Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and restrictions.

What credit score does Synchrony Bank require? ›

It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.

Does PayPal Mastercard have pre approval? ›

There is no way to pre-qualify for the PayPal CashBack. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months.

What is the easiest card to get approved? ›

Easiest Credit Cards To Get Approved for in March 2023
  • Overall. Discover it® Secured Credit Card.
  • No credit check. OpenSky® Secured Visa® Credit Card.
  • Low APR. DCU Visa® Platinum Secured Credit Card.
  • First credit card. ...
  • Fair credit. ...
  • Students with rolling categories. ...
  • Students spending on restaurants and groceries. ...
  • Target shoppers.

How much of $300 credit limit should I use? ›

A good guideline is the 30% rule: Use no more than 30% of your credit limit to keep your debt-to-credit ratio strong. Staying under 10% is even better. In a real-life budget, the 30% rule works like this: If you have a card with a $1,000 credit limit, it's best not to have more than a $300 balance at any time.

How much should I spend on $200 credit limit? ›

To keep your scores healthy, a rule of thumb is to use no more than 30% of your credit card's limit at all times. On a card with a $200 limit, for example, that would mean keeping your balance below $60. The less of your limit you use, the better.

What is the minimum credit score for Affirm? ›

Loan limits vary by merchant and will depend on your credit record and payment history with Affirm. The lender has no minimum credit score to qualify for a loan, and checking whether you prequalify will not damage your credit score.

What credit score is needed for Affirm? ›

Affirm doesn't specify what credit score you'll need to qualify. Qualification is based on your overall credit history, your history with Affirm, and current economic conditions. Generally, the better your credit, the easier it will be to get approved for a point-of-sale installment loan.


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