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eBay Mastercard Terms:

Current eBay Extras Mastercard cardholders are not eligible for a new eBay Mastercard.

Purchases subject to credit approval.

*For New Accounts: Variable Purchase APR is 19.99%, 23.99% or 26.99%. The APRs are accurate as of 3/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00 for all types of cards in any billing cycle in which you owe interest.

***Once approved, you can, in most cases, start using your card right away on eBay purchases. In instances where your application is first placed into a pending status before it is approved, you will not be able to use your eBay Mastercard until you receive and activate the card.

^§The Primary Cardholder will be liable for all purchases made on the Account, including those made by an Authorized User.

^†Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.

^‡Purchases subject to credit approval. To earn 5 points per $1 spent on eBay, account holder must make purchases totaling $1,000 on eBay that post to their account in the calendar year. At the beginning of each calendar year, the Reward Points that will be earned on eBay purchases is reset to 3 Reward Points until the $1,000 purchase threshold is met. Purchases made on eBay from international merchants and purchases that are not made in US dollars will earn 1 Reward Point and will not count toward the $1,000 purchase threshold. Every 1,500 Reward Points earned will equate to $10. You may only redeem your Reward Points for purchases on www.eBay.com. Accrued Reward Points that are not redeemed will be forfeited in certain circumstances. See the Rewards Program Terms for details.

Quick Links:
Redemption Terms
Rewards Program Terms
Mastercard Guide to Benefits
Frequently Asked Questions

Important information about PayPal Credit:

Subject to credit approval. The PayPal Credit Account is issued by Synchrony Bank and is available to US customers who are of legal age in their state of residence.

**For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2021 and will vary with the market based on the Prime Rate (as defined in the PayPal Credit Account Agreement). Minimum Interest charge is $2.00.

No Interest if paid in full in 6 months on purchases of $99 or more.

- Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.

- A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6-month period.

- No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.

- Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.

- Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

PayPal Credit Easy Payments

You must be logged into your eBay account to make an Easy Payments purchase and must select Easy Payments at checkout to take advantage of special financing offers. You cannot use a gift card, coupon, eBay Bucks or other voucher with an Easy Payments purchase.

The total cost of your purchase will be divided into substantially equal monthly payments. The minimum payment on your account will include your Easy Payments purchase, as well as any other purchases you make using PayPal Credit.

This promotional offer isn't valid on previous returns, refunds, and exchanges, or when using the Send Money feature in your account with PayPal.

PayPal Credit is not available in the following categories on eBay: Everything Else - Adult Only, eBay Motors (excluding eBay Motors – Parts and Accessories), Bullion and Real Estate. PayPal Credit is not available for purchases from non-US sellers or in currencies other than USD. Eligibility of items for PayPal Credit is determined at checkout and not on product, item or order summary pages.

Click here to apply for PayPal Credit and view the Terms and Conditions.