Credit Cards (US)

How to apply for the Extra debit card?

Extra is the first debit card in the world that helps you build your credit. It is easy to use, and you don’t need to open another bank account. Check out how to apply for it!

by Aline Augusto

12/22/2021 | Updated on 03/21/2023

Extra debit card application.

Find out how the application process to get this debit card works! Source: The Mister Finance.
Find out how the application process to get this debit card works! Source: The Mister Finance.

The Extra debit card is one of a kind. Firstly, it doesn’t require that you open a different account when applying for it since you can keep your bank.

Secondly, as it reports monthly to credit bureaus, it helps you build your credit. And the best of all is that you can earn reward points so you can spend it at Rewards Store.

Thirdly, there is no minimum required to apply for it, and it doesn’t check credit.

Also, this card features a great mobile app with 24/7 premium customer support, so you won’t be left alone if you need a little hand to help you with something.

Moreover, you can choose which pricing plan fits your profile better, ranging from $20 to $25 as a monthly fee.

So, keep reading to learn how to apply for this debit card!


Debit Card


Rewards Mastercard

Start building your credit. 24/7 customer support. No switching banks.

You will be redirected to another website

Apply online

See how to apply online to get the Extra debit card. Source: Pixabay.
See how to apply online to get the Extra debit card. Source: Pixabay.

Access the Extra website and click on Apply Now.

Note that you need to be at least 18 years old, be a Canadian or U.S. resident, and have a U.S. mailing address.

Then, provide your contact and personal information. Finally, link your Extra Card with your existing bank.

It is easy and fast to apply for it.

Apply using the app

Download the Extra mobile app and follow the instructions right in the palm of your hand. The information required is the same as the website asks for.

Extra debit card vs. Aspiration Spend & Save™ debit card

An Extra debit card offers rewards if you decide to apply for a higher pricing plan. Note that you won’t earn interest since it doesn’t feature an account, and you can keep your bank.

But, you don’t need to prove a perfect credit score to apply for it.

On the other hand, there is the Aspiration Spend & Save™ debit card, which gives you access to many ATMs for free. Also, it pays interest on the Basic or Plus account.

Extra debit cardAspiration Spend & Save™ debit card 
Intro Balance Transfer APRNoneNone
APYNoneBasic account: up to 3%
Plus account: up to 5%
Balance Transfer FeeSee terms and conditions when applyingSee terms and conditions when opening the account
Monthly FeeExtra Credit Building Plan: $20 per month or $149 annually;
Extra Rewards + Credit Building Plans: $25 per month or $199 annually.
$0 (customers choose the monthly fee through the program “Pay What Is Fair”)
ATM FeeNo accessFree
Aspiration Spend & Save™ debit card

How to get an Aspiration Spend & Save™ debit card?

Save the planet while using the Aspiration Spend & Save™ debit card! Learn how to apply now!

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

Trending Topics


Are Indigo® credit cards good?

Are Indigo® credit cards good? They can help you build your credit score while offering other benefits. Learn more about them!

Keep Reading

How to join and open an account? is a great chain that allows you to buy, sell, and trade your crypto coins. Check out its features and how to join!

Keep Reading

One Finance Hybrid Account full review

With the One Finance hybrid Account, you can save money with no service monthly fees. Check out the full review and find out more benefits!

Keep Reading

You may also like


Learn to apply easily for Next Day Personal Loan

Are you in a bind and want to get some extra cash? Next Day Personal Loan can help. They are the ideal go-to site for connecting borrowers and lenders. So what are you waiting for? Apply now!

Keep Reading

Capital One Quicksilver Student Cash Rewards Credit Card review

Do you want to start building a credit history but are a student? The Keyword: Capital One Quicksilver Student Cash Rewards Credit Card review will tell you how this card works and why it's perfect for you. Read on!

Keep Reading

When should you consider a secured credit card?

If you're suffering from a bad credit score, you should consider getting a secured credit card to improve it. Read this content to see if it's the right option for you.

Keep Reading