The eBay Mastercard doesn’t have an annual fee, which is a major benefit for those who want to earn rewards without extra charges, which can eat into your rewards earnings.  But the eBay Mastercard isn’t totally fee-free. There’s a hefty APR that ranges from 24.74% to 31.74%, depending on your credit score.  Plus, you’ll have to deal with balance transfer fees ranging from 3% to 5% and a 3% foreign transaction fee.  Find out more about how to get good APR rates.