Is the eBay credit card a good choice? Well, let’s begin with the obvious benefits. The eBay credit card gives you fantastic rewards for spending on gas and dining at restaurants.
But is that reason enough to consider applying for the eBay credit card? This brings us to the idea of using the eBay Extras MasterCard for your purchases on eBay. In this article, we will cover all the steps you need to take in order to log in to your eBay credit card account.
First and foremost, let’s take a deep dive into the reviews of the eBay credit card. This will give you a comprehensive understanding of all the advantages and rewards it offers.
Additionally, We will introduce you to the special offers that are exclusively available for those considering applying for the eBay Extras MasterCard. Furthermore, We will also guide existing eBay credit card holders through the process of logging into their accounts. This can be accomplished using their unique login credentials, which include their username and password.
- eBay Credit Card Login – Synchrony Bank eBay MasterCard login
- eBay MasterCard Reviews
- eBay Extras MasterCard Review In details
- How to Calculate eBay MasterCard Rewards Points
- MasterCard Rewards Limitation
- Outstanding Feature and Benefit of MasterCard – Price Protection & Extended Warranty
- How to Redeem MasterCard Rewards
- Application Terms & Conditions
- eBay MasterCard – What you Need to Know
- How to Apply
- Card Sign Up
- Customer Services Phone number and Support
eBay Credit Card Login – Synchrony Bank eBay MasterCard login
You can access the login page for the eBay Extras MasterCard via the Synchrony Bank eBay MasterCard login site, which is found at eBay Credit Card Login. Once you are on the site, simply enter your username and password, and then click the sign-in button.
This will allow you to securely access and manage your eBay credit card online. Additionally, you can find the eBay customer service phone number on the site for inquiries and to make online bill payments, among other features.
Furthermore, if you happen to forget your user ID or password, don’t worry. You can utilize the “I forgot my ID or password” link. By following the provided instructions, you can recover your user ID or reset your sign-in password.
eBay MasterCard Reviews
The eBay credit card stands out for its rewards, particularly in specific categories such as gas and restaurants. An appealing aspect is that it comes without an annual fee. Nevertheless, it is worth noting that there is a limit to the rewards you can earn with the eBay MasterCard.
From both my perspective and that of customers who are using eBay credit cards for online purchases, at gas stations, and in restaurants, it seems reasonable to conclude that the eBay Extras MasterCard might not be the most exceptional choice for a reward card. But it is sure worth applying for.
Here are Some Reasons why:
- Your points add up every time you use your eBay MasterCard to make a purchase.
- Earn 5X points for the rest of the year after you spend $1,000 on eBay in a calendar year.
- $30 sign-up bonus
- Also, earn 3X points per $1 spent up to $1,000 on eBay.
- Earn 2X points per $1 spent on gas, restaurant, and groceries.
- Earn 1X points per $1 spent on all other MasterCard purchases.
Nevertheless, despite the arrangement of rewards and offers outlined above, there are reasons why the eBay MasterCard may not be suitable for everyone. It is better suited for customers seeking credit cards that come with enticing sign-up bonuses.
Additionally, the rewards cap on the eBay card diminishes its attractiveness for those who make significant purchases or have high spending habits. In simpler terms, the restricted options for redeeming rewards dissuade certain customers. Moreover, customer satisfaction with the card issuer falls below average, which many customers find challenging to tolerate.
In all, to help you make the choice of the best rewards card out there, you can check our list of best rewards credit cards below.
- Amazon Rewards Card
- Citi® Double Cash Card – 18-month BT offer
- Chase Freedom Unlimited®
- Best Buy Credit Card
eBay Extras MasterCard Review In details
The rewards system of the eBay credit card holds appeal, particularly for avid eBay shoppers. The rewards are based on the principle of “The more you spend, the more you get rewarded for your spending.
To elaborate, those who hold the eBay card receive 3 reward points for every dollar spent on the eBay online store, up to a maximum of $1,000 in a year. Importantly, this rate increases to 5 points per dollar spent once the first year’s spending total is tallied.
Conversely, cardholders also enjoy earning 2 points for every dollar spent at gas stations, restaurants, and grocery stores. Additionally, there is a rate of 1 point per dollar spent on PayPal purchases and all other types of purchases.
How to Calculate eBay MasterCard Rewards Points
It is reasonable to note that approximately $10 worth of value is attributed to every 1,500 points accrued on the eBay credit card when utilized for purchases during the checkout process. In other words, each earned point holds an approximate value of 0.67 cents.
However, when compared to other rewards cards, this value per point of 0.67 cents falls notably lower. Some rewards cards assign a higher value to their points, often at 1 cent or even more, depending on the method of redemption chosen.
Nonetheless, let’s address the fact that the eBay Extras card provides the competitive edge of offering 3 or 5 points for every dollar spent on gas and dining. This makes the eBay MasterCard a contender in the market, despite its comparatively lower point value.
MasterCard Rewards Limitation
The rewards structure of the card presents challenges for those who make daily high spending. Specifically, the card imposes a cap on rewards, limiting the rewards rate to 0.83% for everyday purchases, such as transactions at grocery stores and transportation expenses.
Moreover, eBay MasterCard holders are subject to a yearly cap of 50,000 rewards points. This translates to a maximum redemption value of only $400 per year.
While this might not be overly unfavorable, individuals who engage in substantial spending might find it unappealing to opt for a card with such a redemption limit. Instead, they could opt for other credit cards that offer unlimited cash back without such caps, such as the Citi Double Cash Card – 18 months BT offer or Chase Freedom Unlimited.
Even though cardholders still receive a modest $30 sign-up bonus on their first purchase, this might not be compelling enough to drive people towards signing up for an eBay MasterCard.
To sum up, if you frequently make purchases within categories like gas and restaurants, I would recommend considering an eBay card and utilizing the eBay Extras MasterCard for payments. Additionally, given its lack of an annual fee, it can be a viable option among your lineup of credit cards.
However, if you are concerned about the reward cap due to your higher spending habits, it would be prudent to explore other credit cards as previously suggested.
Important Keynote:
Keep in mind that the points you earn with the eBay Extras MasterCard have an expiration date. In simple terms, if you don’t redeem your points within 24 months, they will expire and be lost. Additionally, if you do not use your card for any transactions at least once every 12 months, you will forfeit all the points you have accumulated.
Outstanding Feature and Benefit of MasterCard – Price Protection & Extended Warranty
Every MasterCard offers exceptional features beyond those provided by the credit card partner. This is especially true for rewards cards like the eBay MasterCard. The management of such cards involves three parties: the issuer (Synchrony Bank), the credit card network (MasterCard), and the partner (eBay).
Indeed, the majority, if not all, MasterCard credit cards offer valuable additional features such as extended warranties and price protection. The extended warranty feature provides customers with the privilege to extend the duration of a warranty from a manufacturer or store – effectively doubling its length.
It is important to note, however, that this extension applies exclusively to items acquired using the eBay Extras MasterCard.
Furthermore, the Price Protection feature is designed to retroactively reimburse you in case the price of an item you bought undergoes a change within 60 days after the purchase.
How to Redeem MasterCard Rewards
You have the option to use your earned Points to make purchases, covering both the cost of items and associated taxes and shipping fees, exclusively on ebay.com. To be eligible for redemption, you need to have accumulated a minimum of 1,500 reward points. The value of each point equates to approximately 0.67 cents, as you receive a $10 credit for every 1,500 points you earn.
Application Terms & Conditions
- Current eBay Extras MasterCard cardholders are not eligible for a new eBay MasterCard.
- Purchases are subject to credit approval.
- Subject to credit approval, an applicant must be at least 18 years old and leave in the US or its territories to apply.
eBay MasterCard – What you Need to Know
Approval for purchases is contingent upon credit approval. In order to accumulate 5 points for every $1 spent on eBay, the account holder needs to make purchases totaling $1,000 on eBay that are reflected on their account within the calendar year. At the start of each new calendar year, the Reward Points earned for eBay purchases are reset to 3 Reward Points until the $1,000 purchase threshold is reached.
Furthermore, purchases made on eBay from international merchants and those conducted in currencies other than US dollars will yield 1 Reward Point each. However, these purchases will not contribute to the $1,000 purchase requirement. Every set of 1,500 Reward Points amassed will correspond to a $10 value.
Conversely, it is important to note that you can exclusively use your Reward Points for purchases made on www.eBay.com. Any accumulated Reward Points that remain unredeemed might be forfeited under certain conditions.
Additionally, for new accounts: the Variable Purchase APR stands at 19.99%, 23.99%, or 26.99%. These Annual Percentage Rates (APRs) were accurate as of 4/1/2020 and are subject to variation based on the Prime Rate, as stipulated in your credit card agreement.
Irrespective of the type of card you possess, the minimum interest charge is $2.00 for any billing cycle in which you carry an interest-bearing balance.
How to Apply
To apply for an eBay credit card, you will need to visit the official card application page athttps://pages.ebay.com/creditcard/or visithttps://ebaymastercard.syf.com/login/ and click on the “Apply” button, fill in the required information. Next, proceed to submit your card application as you wait for approval.
Card Sign Up
Applying for the eBay Extras MasterCard, you need to register for an account through the Synchrony application portal. This involves creating your own user login credentials. Once your card application is approve, you will have the opportunity to activate your card and review your card balance.
Following this, you can proceed to add an authorized user, manage your payments, opt for paperless statements, and explore various other features available to cardholders.
Customer Services Phone number and Support
Lastly, if you need assistance with your eBay MasterCard or MasterCard Extras, you can get in touch with Customer Service. To do this, you can call the Service Center at 1-844-435-0237. Alternatively, you have the option to connect with Customer Service through live chat, available from 9:00 AM to 9:30 PM EST, every day of the week.
Read Also:
- 5 Steps to Lower Your Credit Card Interest Rate
- Top 10 Credit Cards with No Annual Fee Debit or Service Charge
- 10 Credit Card Companies with Sign up Bonus and No Annual Fee
- How to Prevent Fraud on Credit Card with Identity Theft Detection
- How to do Credit Card Balance Transfer to Another Issuer with No Fee
- Credit and Debit Card Safety Precaution when Making Online Payments
- Frontier Airline Credit Card: Benefit, Sign in Online Access &Customer Care
