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Extra Debit Card: Build Credit & Earn 1% Back

Cory Santos

| Last updated on February 13th, 2024

Extra Debit Card

Extra Debit Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Mastercard Processing Network
See Terms Annual Fee

Extra Debit Card

At a Glance

The Extra Debit Card* is a credit builder debit card that offers rewards and more. The card is ideal for anyone newer to credit that doesn’t want the negative impact from a hard credit inquiry but still wants to earn rewards.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Every purchase can help build your credit1. At the end of every month, purchases made with the Extra Debit Card are tallied up and reported to credit bureaus • 0% interest • Connects with your bank account2 • Earn rewards points everywhere. Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills • Current pricing is $20/month or $149/year for Credit Building. $25/month or $199/year for Credit Building + Rewards
  • Annual Fee: See Terms
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Minimum Deposit Required: See Terms
  • You don’t want a credit check when looking for a new card
  • You want a debit card that reports to Experian and Equifax every month

In-Depth Review: Extra Debit Card

Extra is a revolutionary digital banking platform that offers an innovative debit card solution to its users. Building credit with no credit check is made a breeze thanks to the Extra Debit Card. The card, from Extra and Evolve Bank & Trust (Member FDIC), helps build credit with regular payments while also providing up to 1% back in points on everyday purchases** like rideshares, coffee, or even cell phone bills.

How to Get the Extra Debit Card

Debit cards with additional functions are a fast-growing segment in the payment card industry, with Extra one of the more popular examples of the breed. Signing up for the Extra program couldn’t be easier:

  • First, sign up by connecting your bank account to Extra
  • Extra will assign you something called “Spending Power,” which related to your bank balance
  • Your spending power is equal to your credit limit
  • Make purchases with the Extra Card like you would with any debit card, and Extra will “spot you” the cost
  • Extra automatically repays itself via your connected bank account
  • Every month Extra reports user spending to the major credit bureaus (Experian and Equifax), helping you build credit over time

Extra automatically repays itself daily, so the total utilization rate resets every 24 hours. Thanks to this unique feature, you never have to worry about having to stay below a particular utilization threshold.

Extra Card Benefits

No Credit Check Required

Because the Extra Card is a debit card product, there is no credit check to apply for the card. Credit cards require a credit check (or hard inquiry) when applying because lenders are taking a financial risk on the applicant – even with secured credit cards.

On the other hand, debit cards are tied to assets in the applicant’s checking account, meaning that there is no risk to the bank – users simply spend their own money. In this regard, debit cards offer greater accessibility than credit cards – along with the reduced risk of falling into credit card debt which can negatively affect your credit score.

No Interest

Because Extra pays itself back every day, the card features no interest charges – a great feature. In this regard, the card acts like a charge card, with the caveat that Extra takes care of repayments – saving you time and money.

Extra Card Rewards

Enrolling in rewards with Extra comes with an additional fee but provides quality rewards points on eligible purchases. Extra cardholders can earn 1% back for every dollar spent on purchases. Extra may also feature special promotions where cardholders can earn bonus points – increasing the chances of scoring the best awards in the store.

Rewards points have an approximate value of up to $0.01 (one cent per point) depending on the redemption option. Redemption options (through the Extra Rewards Store) include Apple products, gift cards, and other top-quality consumer products and goods.

Other Card Benefits

Other notable features of the Extra Card include:

  • Mastercard Zero Fraud Liability protection
  • Mastercard Global Service customer support
  • ID Theft Protection
  • Mastercard Airport Concierge access (additional charges may apply)

Also worth noting is that the Extra Debit Card currently cannot be used to make purchases made outside of the United States.

Extra Program Cost

Most debit programs feature no monthly fees or annual fees. This is because they operate through your local bank and offer the usual services people have grown accustomed to. Extra differs because it provides the additional service of helping you build your credit and works with your bank account (Extra works with over 10,000 banks through Plaid).

The Extra program has the following costs:

Monthly Yearly
$20/month (Credit Building) $149/year (Credit Building)
$25/month (Credit Building + Rewards) $199/year (Credit Building + Rewards)

Extra Fee Guide

The Extra debit card account prides itself on removing almost all the fees typically associated with a debit card program. Outside of the Credit Builder or Credit Builder + Rewards tiers, the card features no fees whatsoever:

Fee Charge
Purchase Fee $0
Activation Fee $0
Monthly Fee $0
Credit Builder account $20/month
Credit Builder + Rewards account $25/month
Reload $0
ATM (in network) $0
ATM (out of network) $0
Replacement Fee $0


Here is how the Extra Mastercard compares with another popular rewards debit card, the Aspiration Debit Card:

Extra Mastercard Aspiration Debit Card
Annual fee See terms $0 (see terms for tiers)
Builds credit Yes No
Rewards 1% back Up to 10% back
Interest? N/A 5% APY on Save Account w/ Plus

Other Credit Builder Debit Cards to Consider

Experian Smart Money™ Zolve Azpire Credit Builder Card GO2bank Visa® Debit Card
Credit check None None None
Maintenance fee $0 $0 $5 (waived with direct deposits)
Monthly credit reporting Yes Yes No
Rewards N/A 1% cash back Up to 7% back
Fee-free ATM access 55,000+ 65,000+ 5,000+

What We Like About Extra

Using an Extra Debit Card comes with a range of benefits that make it a game-changer in the digital banking industry. Firstly, Extra offers real-time notifications for every transaction made with your card, ensuring you are always aware of your financial activities. This helps you track your spending and promptly detect unauthorized transactions.

Secondly, Extra provides enhanced security features to protect your funds. The Extra app lets you instantly freeze or unfreeze your card if lost or stolen, providing peace of mind. Additionally, Extra uses advanced encryption technology to safeguard your personal and financial information, making it highly secure.

Finally, Extra offers cashback rewards for purchases made with the Extra Debit Card. This means you can earn money back on your everyday expenses, helping you save more in the long run. The cashback rewards can be easily redeemed through the Extra app, making the process seamless and user-friendly.

Extra Debit Card FAQs

Here are some commonly asked questions about Extra, the Extra Debit Card, and the answers:

  • Signing up for Extra requires the following information:
    • 18 years of age, or older
    • You must have an SSN or ITIN number
    • A US address where you can receive your Extra Card (P.O. boxes are not valid)
    • A U.S.-based bank account
  • Extra uses Plaid, which provides fully-encrypted, safe access to over 10,000 banks in the U.S. and Canada.
  • Spend Power is the amount you can spend on your Extra Card at any time. It’s based on your current balance and how long you’ve been a member. 
  • Think of Extra as an added layer of security; they handle disputes and fraud cases internally, so no need to get your bank involved.

Extra Debit Card Ratings

How does the Extra Debit Card Card stack up? Here are a selection of expert reviews for the card and Evolve Bank & Trust- the card’s issuer:

Should You Consider the Extra Debit Card?

Debit card options are continuing to evolve, with better products hitting the market seemingly every month. The Extra Debit Card is one such dynamic product.

The card offers the spending capabilities of a debit card with some of the advantages of a credit card – all with no credit check required. Add to that basic rewards and you have a versatile card that won’t break the bank. The Extra program is available in all 50 U.S. states and the District of Columbia.

Ultimately, theExtra Debit Card is a game-changer in the world of digital banking. With its innovative features, enhanced security measures, and user-friendly app, Extra provides a convenient and secure way to manage your finances. Whether you want real-time notifications, cashback rewards, or the ability to set spending limits, Extra has it all. 

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*Extra is a technology company. The Extra Debit Card is issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Mastercard USA. Extra reports on time and late payments, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including your other financial transactions. Extra reports to Experian® and Equifax®. Please refer to for additional details.

**With Extra’s Annual Credit Building + Rewards Plan

1 All transaction and account activity is subject to review and approval by both Extra and the Issuing Bank. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. Extra is required to report late payments, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including the financial decisions you make with other financial services organizations. The Extra Debit Card and related services will not remove negative credit history from your credit report. Extra will report your activities to Experian® and Equifax®. Please refer to our Terms of Service and Cardholder Agreement for additional details. Pricing and rewards availability will vary depending on plan and term selected.

²In order to transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra’s services (“Partner Account”).

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