Jamie Thompson, WalletHub Analyst
@ExTaxMan
You needed a credit score of at least 700 to get the PayPal Extras Mastercard. This means at least good credit was required for approval. However, the PayPal Extras Mastercard is no longer available to new applicants.
If you’re looking for a similar card, you should consider getting the PayPal Cashback Mastercard®, instead. This card offers 3% cash back on PayPal purchases and 1.5% back on all other purchases.
The PayPal Cashback Mastercard® requires at least fair credit (a credit score of 640+) for approval. If you’d like to know where you stand, you can check your credit score for free, right here on WalletHub.
Popular Credit Cards from Our Partners
Ye Juanda Sargent, Member
@mysundaycakes
I was able to get one with a score of a little more than 600.
Megan, Member
@meg8278
I got a PayPal mastercard with only a little over 600 credit score. They only gave me $600. But the regular PayPal credit gave me $1800.
_shleyseaman85, Member
@_shleyseaman85
I just got a $700 credit limit and my score is 658. I think it depends on your payment history with synchrony bank. I have several store credit cards through them so the know my habits. I will use and pay off the next week or so.
People also ask
How do I get a PayPal credit card?
You can get a PayPal Cashback Mastercard® by applying for one online, but you need at least good credit to qualify for approval. The issuer will also take into account your income, debt and number of open accounts, among various other factors when considering your application.
Here’s how to get a PayPal Cashback Mastercard®:
- Visit the PayPal Cashback Mastercard®’s webpage.
- Click on “Start Credit Card Application.”
- Log in to your PayPal account to access the application.
- ...
Does PayPal CashBack do a hard pull?
Yes, the PayPal CashBack will do a hard pull. You will need a credit score of at least 700 to get it. 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. You can learn more about how to minimize...
read full answer by Alex Wise, WalletHub Credit Cards AnalystWhat's the starting credit limit for the PayPal Credit Card?
The starting credit limit for the PayPal Extras Mastercard was $250, at a minimum. Every approved applicant’s credit limit was determined by multiple factors such as their credit score, income, and payment history. However, it is worth noting that the PayPal Extras Mastercard is no longer available to new applicants.
Things to know about the PayPal Extras Mastercard credit limit:
- Initial credit limits aren’t permanent. Once your account has been open for at least 6 months, you can...
Did we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.