![]() ![]() Indeed, a lot of people don't realize that PayPal actually has its own shopping portal and directory where you can find a bunch of deals that you may not find elsewhere. The only reason to choose a PayPal Extras MasterCard over another credit card is if you prefer its rewards program, especially if you shop frequently with PayPal and/or eBay. Just make sure you explore what else is out there first. You may decide that the PayPal Extras MasterCard is still best for you. On the other hand, if you're going to carry a balance from month to month (which you should NOT do if you can help it), then a low-interest option like the Barclaycard Ring MasterCard might be better, which has a 13.99% variable APR and no annual fee. The Discover It Card by Discover is another good one, earning 5% cash back on select categories that change every three months, including gas stations, restaurants, Amazon, wholesale clubs, department stores, and others. It has a $95 annual fee, but you get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% everywhere else. The Blue Cash Preferred Card by American Express is one of the most coveted cards for reward seekers. That was true whether the credit vehicle was PayPal Credit or a PayPal credit card. In 2014, PayPal's VP of Credit noted that " goes up 30% after a customer adopts a PayPal credit vehicle," citing previous studies at the company. Are you responsible with your current finances? If not, you probably won't be with any new debt. It's easy to tell yourself that you'll be responsible with a new credit card, but the only way to know for sure is by being honest with yourself and your current credit situation. Even if the debt you have is so-called "good debt"-such as a mortgage loan or student loans-you should be wary about taking on more debt. If you're already swimming in debt, grabbing another credit card is one of the last things you should do. ![]() Depending on your answers to these five questions, you'll know whether getting one is in your best interests or not.
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