![]() ![]() True to its name, the eBay Mastercard should only be considered by customers of the online retail portal-and fairly frequent and free-spending ones at that. Credit Card Satisfaction Study, Synchrony ranked ninth out of 11 national card issuers and was given a score below the average. But when you need to do so, it’s often a matter of some urgency and even stress, and you want a satisfying experience. Unfortunately, that’s somewhat less likely to be the case with Synchrony Bank, the issuer of this card. ![]() Customer Satisfaction With the Card Issuer is Below Average: Most people don't interact with their credit card issuer very often.Those are notable drawbacks compared with cards that allow you to redeem rewards in any amount at any time, and where those miles, points, or dollars never expire from your account. In addition, you must amass at least 1,500 points before you can redeem rewards, and points expire within 24 months if they haven't been used for eligible purchases. While it’s not uncommon for retail-branded credit cards to limit redemptions in this way, it’s important before you sign up for this card to realize that its points can't be redeemed for cash, or for merchandise that isn’t bought on eBay. Restrictions on Redemption: Points may only be redeemed for purchases and costs related to taxes and shipping on.You're essentially getting 2 cents to spend on eBay for every dollar spent on the site up to $1,000 of annual spending, and 3.35 cents on spending above that level. That's a lower point value than some other rewards cards, whose points are worth 1 cent or more, depending on how you redeem them. However, the fact that the card offers as much as 3 or 5 points per dollar spent makes the eBay Mastercard competitive, despite a low point value. Every 1,500 points accumulated on this card is worth about $10 when redeemed for purchases during checkout, making each point worth roughly 0.67 cents. Earn 1X points per spent on all other Mastercard purchases. Earn 2X points per $1 spent on gas, restaurant, and groceries. You'll earn 5X points for the rest of the year after you spend $1,000 on eBay in a calendar year, until then, earn 3X points per $1 spent up to $1,000 on eBay in a calendar year. Generous Points Rewards: This card's rewards structure is fairly lucrative for frequent eBay shoppers, and the more you spend, the more beneficial it gets.Customer satisfaction with card issuer is below average ![]()
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