Credit Cards (US)

Extra debit card full review

Have you ever seen a debit card that helps build credit? We’ve just found one, and it offers rewards, too! Find out more about it on this Extra debit card review post!

by Aline Augusto

12/22/2021 | Updated on 03/21/2023

Extra debit card review.

Check out our Extra debit card review! Source: The Mister Finance.
Check out our Extra debit card review! Source: The Mister Finance.

Credit-building is a feature that only credit cards offer. But now Extra has raised the bar for debit cards, and you’ll learn all about it in this Extra debit card review!

Every month Extra reports your purchases to credit bureaus, so you can work on building your credit.

And it doesn’t end there. This card offers up to 1% back in redeemable reward points for gifts at the Rewards Store.

Also, you can keep your bank, so you don’t need to open another account to start using your debit card.

Intro Balance Transfer APRNone
Balance Transfer FeeSee terms and conditions
Monthly FeeExtra Credit Building Plan: $20 per month or $149 annually;
Extra Rewards + Credit Building Plans: $25 per month or $199 annually.
ATM FeeNo access
Extra debit card

How to apply for an Extra debit card?

Build your credit and earn rewards with an Extra debit card. Learn how to apply for this card today!

How does the Extra debit card work?

First of all, you don’t need to open a different bank account to support this card. So, there are no switching banks. And you don’t need to deposit a minimum amount to start using it.

Second of all, it offers different pricing plans so you can choose which one fits your profile better. From $20 as the simplest plan to $25 as the one that gives you rewards, you may qualify for all.

Plus, you don’t have to worry about a credit check when applying for it. In fact, Extra helps you build your credit by reporting monthly balances to credit bureaus.

Also, it features a great mobile app with 24/7 humanly customer support very helpful, according to some clients.

Finally, you won’t pay any interest by using this debit card.

Extra debit card benefits

See what are the benefits of the Extra debit card. Source: Pexels.
See what are the benefits of the Extra debit card. Source: Pexels.

Let’s get started with the benefits. Since it is a debit card, there is no interest charged as a credit card does.

Also, Extra doesn’t check credit during the application process. In fact, it is the first debit card to help you build your credit since it reports monthly to credit bureaus.

In addition, you can choose a pricing plan which offers reward points to use at the Rewards Stores.

Furthermore, it is easy to use, and it features a mobile app with premium customer support.

On the other hand, the card charges a monthly fee with limited rewards, and it doesn’t allow you to use ATMs.


  • No credit checks
  • 99% approval rate
  • Extra helps you build credit
  • You can earn reward points like a credit card
  • No switching banks
  • Extra offers different pricing plans
  • There is no minimum required to open and use it
  • Great mobile app with 24/7 customer support


  • Extra debit card has a monthly fee
  • Extra doesn’t allow ATM access
  • Plus, Extra offers limited rewards

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

There is no credit check when you apply for it. So, you don’t need to worry about sharing a perfect credit score if you don’t have it.

How to apply for an Extra debit card?

Learn now how to apply for the first debit card in the world that helps you build your credit while you earn reward points, and don’t worry about interest!

Extra debit card

How to apply for an Extra debit card?

Build your credit and earn rewards with an Extra debit card. Learn how to apply for this card today!

Disclaimer: The Aligned Company d/b/a Extra (“Extra”) is a technology company, not a bank. Banking services provided by Evolve Bank & Trust or Patriot Bank, N.A. (Member FDIC), pursuant to a license from Mastercard International. This Card can be used everywhere Debit Mastercard is accepted. 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®. Rewards points only available with rewards plan.

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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