eBay Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The eBay Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateBonus rewards categoriesSpending caps on rewardsNo initial rewards bonusNo intro APR on purchasesNo balance transfers allowed
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
eBay Credit Card has a rating of 2.6/5 according to our proprietary credit card rating system. This rating reflects how appealing eBay Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, eBay Credit Card earned a score of 5.0/5 for Fees, 1.8/5 for Rewards, 2.5/5 for Cost, and 3.6/5 for User Reviews. Info about the eBay Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.6/5
58 reviewsRead and write reviews
Market Comparison
Market Comparison
2.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
1.8
Cost
2.5
Other Features
0.0
2.6/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
25.24% - 32.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 3X points per $1 spent up to $1,000 on eBay in a calendar year. Then earn 5X points for the rest of the year after you spend $1,000 on eBay in a calendar year.
Earn 2X points per $1 spent on gas, restaurant, and groceries.
Earn 1X points per $1 spent on all other Mastercard purchases.
Use points when you check out to make the perfect eBay finds even better. Redeem $10 at checkout for every 1,500 points earned.
eBay Credit Card's Additional Info
Identity Theft Resolution. Get peace of mind with 24/7 protection of your personal information.
Zero-Liability Protection. Simply call the number on the back of your card if you suspect any unauthorized activity.
With Priceless Cities enjoy hidden-gem experiences and special-access events worldwide.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.6
Market Comparison
2.6
fees: 5.0
rewards: 1.8
cost: 2.5
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
Market Comparison
4.3
fees: 5.0
rewards: 4.1
cost: 4.5
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about eBay Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way you can pay your eBay Credit Card is through your online account or by using the "Pay as Guest" feature. Alternatively, you can make a payment over the phone at (844) 435-0237 or via mail.
How to Pay Your eBay Credit Card
Online: Log in to your account to make an online payment. Alternatively, click on the "Pay as Guest" button to make a payment without logging in to your account. You will just need your card number, the last 4 digits of your Social Security number, and ZIP code.
Over the phone: Call (844) 435-0237 to make a payment over the phone.
Via mail: To pay your credit card via mail, send a check or money order (but not cash) to:
eBay Credit Card P.O. Box 71718 Philadelphia PA 19176-1718
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.
The credit score needed for the eBay Credit Card is 700, at a minimum. That means people with good credit or better have a shot at getting approved for the eBay Credit Card.
Other eBay Credit Card Approval Requirements
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the eBay Credit Card, too. Some other key criteria include your income, existing debt load,...
You can check your eBay Credit Card application status by calling (877) 379-8173. When you call, you'll need to provide your Social Security Number so that the issuer can match you to your application. It should only take a few minutes to find out whether your application is approved, denied, or pending. You cannot check your eBay Credit Card application status online.
How to Check Your eBay Credit Card Application Status
Unfortunately, you cannot get pre-approved for the eBay Credit Card. Anyone interested in applying for the card will have to do so without the benefit of checking for pre-approval beforehand.
Keep in mind that the eBay Credit Card requires at least good credit for approval. If you don't know where you stand, you can check your credit score for free on WalletHub.
Ultimately, you can also use WalletHub's CardAdvisor tool to help find the right credit card for you. Just answer a...
The eBay Credit Card credit limit is usually around $500 to start, according to forum posts, and some cardholders report limits as high as $2,000. The issuer does not include any specific credit limit information in the card's terms, though.
For the most part, eBay Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
No, there is no Ebay-only store card available at the moment. There is only one credit card that is co-branded with Ebay, the eBay Credit Card. This card, though, can be used everywhere Mastercard is accepted.
The eBay Credit Card offers 1 - 5 points per $1 spent on purchases and has a $0 annual fee. You need to have at least good credit to get approved for this card.
No, the eBay Credit Card does not currently have a sign-up bonus, though it does give ongoing rewards of 5 points / $1 spent on eBay purchases. The eBay Credit Card also offers 1 point / $1 spent on all other purchases.
If you're in the market for an initial bonus, then check out the Amazon Credit Card. With this card, you get a $50 Amazon.com gift card upon approval ($100 for Prime members).
You can also compare the best credit card sign-up bonuses from other cards, picked by WalletHub's editors. But keep in mind that rewards bonuses...
No, you cannot track your eBay Credit Card delivery. The card will arrive by regular mail at the address on file in 7-10 business days after approval. Expedited shipping is not available, either.
If it's been more than 10 business days and you still haven't received your card, then give customer service a call at (844) 435-0237. They should be able to send a new card if the original got lost on the way.
Share your insights and review for the eBay Credit Card
5
45%
4
21%
3
10%
2
0%
1
24%
3.6
29 reviews
29 reviews
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Timothy @gtr2018
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5 Star Rating
Verified Customer
Ebay is a great financial institution. I haven’t had them for very long but have known friends that love this card, and has great things to say about it so far so good.
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0
0
Michael Laymon @Micheal_laymon
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1 Star Rating
Not worth it! Paid on time as should never late on payments, I paid it off then about 1wk later bam lowered my credit limit out of no where.. would NOT recommend!! Not a good way to do business!!
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1
0
Crystal @crystlou
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5 Star Rating
Verified Customer
I really like my eBay card, but once my eBay account was showing it may have been hacked, I've used it a little less. Because it's a eBay Visa, I will use it on other things but the interest rates have gotten ridiculous. I'm trying to use all of my cards way less including this one. My credit limit is very good with them tho.
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Conni B @magimae
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4 Star Rating
Verified Customer
Just an average credit card. No real perks. Interest rate is high like most anymore. Easy to get, and easy to request limit increases.
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0
0
Dwight @brambo
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5 Star Rating
Verified Customer
The customer service is really great if you have a problem or need assistance they are nice enough to help resolve the issues if you any.
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0
0
Fredrick @fredhmartinez1963
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5 Star Rating
Verified Customer
I would highly recommend an eBay credit card, great customer service and a good card to have. EBay is an interesting site to look into, you will be surprised at all variety of products that are on this site.Fredrick H Martinez.
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0
0
Rose @rosev_10
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5 Star Rating
Verified Customer
I love this card. It not only allows me to purchase on Ebay it also allows you to purchase anywhere else the Mastercard is accepted. Ebay has quality goods! Thank you Ebay
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0
0
zekebarrett @zekebarrett
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1 Star Rating
Synchrony Bank is always placing my payments on hold because I make too many payments in a billing cycle. They will hold your payment for 18+ days before releasing them yet have never had a payment revoked. Also, no other card company has this practice that I use. What a joke!
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Joseph @jojo12_29_21
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4 Star Rating
Verified Customer
The ebay card is rewarding if you buy on eBay itself. It gives you 5× every dollar after spending $1000 on ebay. But also it gives 2× every dollar on restaurants, gas, and groceries. I'm very satisfied with my card.
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0
Bob Marley @a_bath1ng_ap3
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1 Star Rating
I expected much more from a company as large as eBay! I have both this eBay rewards MasterCard and the Amazon rewards Visa... this one is a joke compared to Amazon.
There is no mobile app, the website portal is very outdated, and to make matters worse... The website portal doesn't even work sometimes. Right now I can't log into my eBay MasterCard account to check my balance ("We are currently experiencing technical difficulties and are unable to access your account.").
On top of all of this, the eBay points take FOREVER to actually reach your account. With Amazon, you get your rewards the next billing period... not months later.
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: eBay Credit Card and Amazon Credit Card
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