eBay Mastercard: How to Get the Most From the eBay Mastercard

eBay and Mastercard have teamed up to create the eBay Mastercard, explicitly designed with eBay shoppers in mind. This card offers unique benefits that enhance the eBay shopping experience and maximize rewards for avid eBay users.

eBay Mastercard

In this post, we’ll examine the key features of the eBay Mastercard and how they can supercharge your eBay purchases.

An Overview of the eBay Mastercard

The eBay Mastercard is a co-branded credit card launched through a partnership between Mastercard and eBay. It offers:

  • No annual fee
  • Competitive financing offers on eBay purchases
  • Points on eBay purchases that are redeemable for eBay gift cards
  • Points on purchases made outside of eBay
  • 0% intro APR period for purchases and balance transfers

In a nutshell, the eBay Mastercard amplifies your eBay shopping habits by offering generous rewards and perks. The card targets frequent eBay shoppers who want to maximize savings and get special financing options on their eBay buys.

Key Benefits of the eBay Mastercard

Here are some of the biggest benefits of using the eBay Mastercard for your eBay shopping needs:

Earn Points on eBay Purchases

The eBay Mastercard allows you to earn points on all your eBay buys. You get:

  • 5 points per $1 spent on eBay purchases
  • 2 points per $1 spent on gas, restaurant, and cell phone bill payments
  • 1 point per $1 on all other purchases

With the robust 5x points earning rate on eBay shopping, it’s easy to rack up points quickly. You can then redeem these points for eBay gift cards and shop on eBay at no extra cost. This ability to earn points and redeem them for eBay shopping funds is a valuable perk you won’t find with most other credit cards.

Special 0% Financing Offers

The eBay Mastercard provides 0% intro APR financing offers on select eBay purchases. These special financing terms allow you to make large eBay purchases and pay for them over time without interest charges.

For example, you may get 0% APR for 6, 12, or 18 months on purchases over $150 made on eBay. This financing offer lets you take home big-ticket eBay items like electronics, furniture, jewelry, and more without impacting your budget right away.

No Annual Fee

Unlike many premium travel and shopping rewards cards, the eBay Mastercard has no annual fee. You get full access to the card’s features and benefits without having to pay a yearly cost. No annual fee makes this an affordable card option for all shoppers.

Purchase Protection

When you use the eBay Mastercard for eligible purchases, you get coverage in case of damage or theft within the first 90 days. This perk provides an extra peace of mind when making big eBay buys.

Extended Warranty Protection

The eBay Mastercard extends the manufacturer’s warranty by 1 year on eligible warranties of 3 years or less. This benefit applies to eBay and non-eBay purchases, giving you more time to use products without worrying about mechanical breakdowns.

How Does the eBay Mastercard Compare to Other Credit Cards?

The eBay Mastercard is tailored specifically to eBay enthusiasts, unlike more generalized cash back and travel rewards cards. Its targeted eBay benefits have no equivalent with most other credit cards on the market.

However, the eBay Mastercard does lack some perks you’ll find with premium rewards cards, including:

  • No sign-up bonus – Many competing cards offer bonuses worth $200+ for new cardholders.
  • No travel rewards – Cards like the Chase Sapphire Preferred offer robust rewards on travel spending.
  • Lower rewards outside eBay – The 1% and 2% rates can be less generous than the up to 5% cash back provided by other cards.

So while the eBay Mastercard excels within the eBay ecosystem, other cards may provide superior rewards on non-eBay spending. The eBay card is ideal for dedicated eBay aficionados who want to maximize their eBay rewards. More casual eBay users may benefit from a flat-rate cash back card with higher rewards on other purchases.

Who is the eBay Mastercard Best For?

The unique benefits of the eBay Mastercard make it a great fit for:

Frequent eBay Shoppers

If eBay is your go-to online retailer, the 5x points per $1 on eBay purchases is extremely valuable. You can quickly accumulate eBay gift card funds to shop even more on the site.

Anyone Making Large eBay Purchases

The 0% financing offers for eBay buys of $150+ are helpful when buying pricey eBay items like electronics, musical instruments, furniture, etc. Spreading out payments over 6, 12, or 18 months can make these large purchases more manageable.

International eBay Shoppers

There are no foreign transaction fees with the eBay Mastercard. So it’s a great option for anyone who shops on eBay internationally and wants to avoid extra charges on those purchases.

eBay Sellers and Business Owners

People who run eBay businesses can benefit from 5x points on inventory purchases along with 0% financing offers. The ability to earn eBay gift cards helps cut operational costs.

Anyone Who Prefers eBay Shopping Portals

If you consistently shop through the eBay website rather than running general Google searches, the tailored eBay rewards give you more motivation to go directly to eBay.com.

How to Get the Most From the eBay Mastercard

To maximize perks like 5x points on eBay, financing offers, and no foreign transaction fees, follow these tips:

  • Use the card for all eBay purchases whenever possible to rack up points rapidly
  • Take advantage of the 0% special financing offers when buying expensive electronics, jewelry, and other big-ticket eBay items
  • Set up automatic payments on your cell phone bill and recurring utility bills to earn 2x points in those bonus categories
  • Add the eBay Mastercard to your eBay account for quicker checkout
  • Use the eBay card when shopping on eBay internationally to avoid foreign transaction fees
  • Redeem your eBay points at least annually for eBay gift cards to keep shopping for free
  • Use the eBay Mastercard’s purchase protection and extended warranty when buying eligible items on eBay
  • Compare the eBay Mastercard 0% financing offer terms on a desired eBay purchase vs your other credit cards to identify the best deal.

Frequently Asked Questions About the eBay Mastercard

Does the eBay Mastercard offer a sign-up bonus?

No, unfortunately the eBay Mastercard does not currently offer any sign-up bonus. Many competing credit cards provide bonuses of $100, $200, or more when you meet initial spending requirements, but that is not the case with this card.

What is the interest rate on the eBay Mastercard?

The variable APR for purchases on the eBay Mastercard is 15.24% – 25.24%, based on your creditworthiness. This is within the average range for retail credit cards. The card also offers 0% intro APR special financing offers on certain large eBay purchases.

Are there foreign transaction fees with the eBay Mastercard?

No, the eBay Mastercard does not charge foreign transaction fees. This makes it a smart card option for international eBay shopping. Most credit cards charge a 3% fee on transactions processed abroad.

Can you use eBay points for purchases outside of eBay?

Unfortunately eBay points earned with the eBay Mastercard can only be redeemed for eBay gift cards. You cannot cash out your points or use them for non-eBay purchases. To get the most value, you need to redeem points for eBay shopping funds.

How long do 0% financing offers for eBay purchases last?

Special financing term lengths for eBay purchases typically range from 6 months up to 18 months 0% APR. Offers vary, so check your specific terms at checkout. There is no interest for these promotional periods when paying off the purchase over time.

Can I earn eBay points on my eBay seller fees and purchases?

Yes, eBay business and seller transactions are eligible for the 5x points, allowing you to earn rewards on inventory, supplies, and business expenses. This can help eBay-based businesses cut costs.

Is there an eBay Mastercard app I can download?

Yes, the eBay Mastercard has a mobile app called My eBay Mastercard. You can use it to monitor balances, activity, transactions, points balance, statements, and more on the go. The app is available for both iOS and Android.


The eBay Mastercard is designed to be the go-to payment option for enthusiastic eBay users who want to get rewarded for their eBay shopping habits. Between the generous point multipliers on eBay purchases, special financing offers, and lack of foreign transaction fees, it’s built to enhance the eBay ordering experience.

While the card falls short for non-eBay purchases, the eBay-specific perks provide unmatched value for frequent eBay shoppers. Overall, the eBay Mastercard can unlock huge savings for those who stick within the eBay and Mastercard rewards ecosystems.

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