Заказать карту с кредитным лимитом - (2020) PayPal Cashback Mastercard // Review of PayPal Credit Card

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Did you know that PayPal Cashback MasterCard offers flat 2% cashback on all purchases?

To apply for this PayPal credit card you will need a PayPal account.
If you don’t have one - you will have to create it.
To have better chances to be approved you will need a credit score of 700 points and above.
I would also recommend to lower your credit utilization before application.
There are also a few other common requirements to be eligible for this Credit Card.
If you are approved for the PayPal Cashback Credit Card you should receive the card in mail within two weeks.
What are the benefits?
The 2% cashback has no minimum to redeem.
Unlike PayPal Extras Credit Card you can redeem the cashback anytime of any amount to your PayPal account.
Value of reward points of PayPal Extras Credit Cards is very poor.
So PayPal CashBack looks very good in this comparison.
There is no annual fee - I count it as a benefit, because there are a lot of cards that have the annual fee.
There is no foreign transaction fee.
It means you will not have to pay the 3% fee if you travel.
The 3% foreign transaction fee is on almost every credit card.
Cash Advance will cost you 3% or $5.
Interest will start accumulating immediately.
There is no grace period - no need to wait for the statement - pay it off right away.
There is no signup bonus.
A lot of other cards offer at least some signup bonus of $150 or $200 bonus.
This is not the case here.
There is no promotional APR and the APR by itself is very high - up to 29%.
Not as high as on credit cards for bad credit with 36% APR.
But 29% is still high.
With this PayPal CreditCard you will receive all the benefits of being a MasterCard cardholder.
For example, Extended Warranty, price protection
You should know that most other cards have this kind of benefit, so there is no surprise here.
The card is issued by Synchrony Bank, which has a pretty bad reputation for its customer service.
If your PayPal Account was closed - the credit card will be closed too.