
If you're an eBay enthusiast looking to take your shopping experience to the next level, consider applying for the eBay Credit Card. This card offers a 2% cashback reward on all purchases made on eBay, with no rotating categories or spending limits.
The eBay Credit Card is issued by Synchrony Bank, a reputable financial institution with a long history of providing credit services. With this card, you can earn 2% cashback on all purchases made on eBay, plus an additional 1% cashback when you pay your bill on time.
To be eligible for the eBay Credit Card, you'll need to meet certain requirements, including having a good credit score and being at least 18 years old.
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Credit Card Details
eBay Credit Card offers a range of benefits to its cardholders, including 3% cashback on eBay purchases, 1% cashback on other purchases, and a $150 bonus after spending $500 in the first 3 months.
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Cardholders can also earn 2% cashback on eBay purchases in the first 3 months, and the cashback rewards never expire.
You can earn 3% cashback on eBay purchases, but only if you make purchases through the eBay mobile app.
The eBay Credit Card has no foreign transaction fees, making it a great option for international travel.
You can check your eBay Credit Card account balance and transaction history online or through the eBay mobile app.
The credit limit on the eBay Credit Card is determined by the card issuer, and may be based on your creditworthiness and other factors.
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Application and Approval
To get pre-approved for the eBay Credit Card, you'll need at least good credit. You can check your credit score for free on WalletHub to see where you stand.
The eBay Credit Card is not for everyone, as it requires good credit for approval. If you're unsure about your credit score, WalletHub's CardAdvisor tool can help you find a credit card that's right for you. Just answer a few questions and get personalized recommendations.
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Getting Pre-Approved

To get pre-approved for the eBay Credit Card, you'll need to have at least good credit. You can check your credit score for free on WalletHub to see where you stand.
The eBay Credit Card requires good credit for approval, and using WalletHub's CardAdvisor tool can help you find the right credit card for you. Just answer a few questions and it'll do the rest.
Having a good credit score will give you a better chance of getting approved for the credit card. If your credit score is low, you may want to consider working on improving it before applying.
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Check Application Status
To check your eBay Credit Card application status, you can call (877) 379-8173. This is the only way to check your status, as it's not available online.
You'll need to provide your Social Security Number to the representative, so have that ready. This will help them match you to your application.
Calling the number should only take a few minutes, and you'll be able to find out whether your application is approved, denied, or pending.
Here are the steps to check your eBay Credit Card application status:
- Call (877) 379-8173.
- Connect with a representative and provide your Social Security Number.
Features and Benefits

The eBay credit card offers a range of benefits that make it a great choice for online shoppers. One of the key features is the ability to earn 2% cash back on eBay purchases, which can be redeemed for eBay gift cards.
With the eBay credit card, you can also enjoy 1% cash back on purchases made anywhere else, which can be redeemed for a statement credit. This means you can earn rewards on all your purchases, not just those made on eBay.
The card also offers exclusive discounts and promotions on eBay, which can help you save even more money on the things you want.
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APR on Purchases
The APR on purchases can range from 12.99% to 23.99%, depending on your creditworthiness and the card issuer.
You can avoid paying interest on purchases if you pay your balance in full each month.
Paying more than the minimum payment can help reduce the APR on purchases over time.
Can You Use to Pay Seller Fees?

Unfortunately, you cannot use the eBay credit card to pay your eBay seller fees such as listing fees and final value fees. I attempted to add it to my seller account and kept receiving an error message.
You can't find any policy or documentation stating that eBay prohibits using the eBay credit card to pay seller fees, but it's clear they've set this up to prevent customers from meeting the $1,000 requirement by paying seller fees and earning 3.3% cash back.
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Reviews and Comparison
The eBay credit card has received mixed reviews from users, with some praising its rewards program and others finding it lacking in certain areas. The card offers 3% cash back on eBay purchases, with a chance to earn 5% cash back on purchases exceeding $1,000 per year.
User reviews are split, with some users giving the card a rating of 4.1 out of 5, while others have given it a rating of 3.6. The card has also been compared to other popular alternatives, such as the Prime Visa and Costco Anywhere Visa Card by Citi.
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Here's a comparison of the three cards:
The eBay credit card has a regular APR of 26.99% - 33.99% (V), while the Prime Visa has a regular APR of 19.49% - 28.24% (V) and the Costco Anywhere Visa Card by Citi has a regular APR of 19.49% - 27.49% (V).
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Replacement Request
If your eBay Credit Card is stolen, lost, or damaged, you can request a replacement. You can also get a replacement if your current card is about to expire, but Synchrony Bank will automatically send you a new card in that case.
To get a replacement, call customer service at (844) 435-0237. There is no fee for a replacement card, which should arrive within 7-10 business days.
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Reviews
Reviews are a crucial part of the decision-making process when choosing a credit card.
The eBay Credit Card has reviews, but we can't find any information about them in the provided article sections.
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Compare vs. Popular Alternatives

If you're considering the eBay Credit Card, you might want to look into some popular alternatives.
The Prime Visa card has a WalletHub rating of 4.3, which is significantly higher than the eBay Credit Card's rating of 2.6. This suggests that the Prime Visa card may be a better option for those looking to earn rewards.
The Costco Anywhere Visa Card by Citi has a WalletHub rating of 3.6, which is still respectable, but lower than the Prime Visa card.
Here's a brief comparison of the three cards:
All three cards have an annual fee of $0, which is a great perk for those who don't want to pay extra for their credit card.
The Prime Visa card offers a rewards rate of 1 - 5% Cash Rewards, which is more generous than the eBay Credit Card's rewards rate of 1 - 5 points / $1.
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The Costco Anywhere Visa Card by Citi also offers a rewards rate of 1 - 5% Cash Back, which is similar to the Prime Visa card.
The Prime Visa card offers a bonus of $100 Amazon gift card, which is a great incentive for those who shop on Amazon regularly.
Overall, the Prime Visa card seems to be the strongest contender among these three options, but it's always a good idea to do your own research and consider your individual needs before making a decision.
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Review: Mastercard
The eBay Mastercard credit card offers 3% cash back on any eBay purchase.
You can earn 5% cash back on purchases that exceed $1,000 per year on eBay, but this resets every January first.
This card also offers 2% cash back for gas, restaurants, or groceries.
The 3% cash back on eBay purchases with a chance for 5% is better than any other card’s rewards for online shopping.
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For all other areas of spending outside of eBay, the eBay Mastercard Credit Card is inferior.
You have to periodically (every three years) turn off various marketing on this card to avoid unwanted advertising.
Setting an alert to automatically notify you of purchases over $1 is a great fraud alert feature.
Having an alert every time you use your card is quick enough to remind you of your purchase but delayed enough to remind you of the purchase cost.
Setting your entire credit card bill to automatically pay from your checking account each month is a convenient feature.
You can also set the bill to come to you via postal mail to have a written record of your purchases.
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Other Considerations
To use the eBay credit card, you'll need to be an eBay member, so make sure you've got an account set up before applying.
Reward points can be a great perk, but it's essential to know that they expire after 24 months if you don't redeem them. This means you'll need to use them or cash them out before they disappear.
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Some purchases are off-limits when it comes to redeeming points, including coins, bullion, paper money, classifieds, and motors (except for parts and accessories). This is something to keep in mind when shopping on eBay.
Additionally, you'll need to pay a 3% foreign transaction fee if you're shopping internationally. This can add up quickly, so it's worth considering if you frequently make purchases outside your country.
Frequently Asked Questions
What credit score is needed for an eBay credit card?
To qualify for an eBay Credit Card, you'll need a minimum credit score of 700. This indicates good to excellent credit, making approval more likely for qualified applicants.
What bank is eBay credit card?
The eBay credit card is issued by Synchrony Bank. Learn more about the benefits and features of this card.
Is there an annual fee for eBay Mastercard?
No, there is no annual fee for the eBay Mastercard. Earn rewards and benefits without added costs.
Can you get credit from eBay?
You may be eligible for a fee credit from eBay if an issue with your order is resolved and you receive a refund, with credits proportional to the refund amount. Check eBay's policies for details on qualifying for fee credits.
Sources
- https://wallethub.com/d/ebay-credit-card-3277c
- https://www.synchrony.com/contenthub/newsroom/synchrony-financial-extends-paypal-and-ebay-consumer-credit-card.html
- https://www.hustlermoneyblog.com/ebay-mastercard-promotion/
- http://www.savermetrics.com/2020/03/29/ebay-credit-card-review/
- https://www.marottaonmoney.com/review-ebay-mastercard-credit-card/
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