Extra Debit Mastercard®

Debit card that helps you build credit history while earning rewards

Updated: Sep 14, 2022

Advertiser Disclosure

The Extra Debit Mastercard is the perfect debit card to get if you want to improve your credit score. In addition, you will benefit from some unique perks, including easy connectivity with your bank account and reward points. Plus, there are no credit checks to ensure your credit score remains intact.




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Extra Debit Mastercard®

at Extra's Secured website

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Application Fee


Credit Reporting


Recommended Credit Score

Accepts All

Key Features

  • Full Credit Impact
  • No Deposit Required
  • No Interest
  • Reports credit to Equifax and Experian
  • Extra does not check your credit score
  • Issued by Evolve Bank & Trust
  • FDIC-insured
  • Checking Account Required

Our Take

The Extra Debit Card issued by Evolve Bank & Trust is FDIC insured and features monthly credit reporting, no credit check, and rewards. The Extra card is best for:

  • People who want to re/build their credit score;
  • People with US or Canadian bank accounts;
  • Consumers who are interested in reward points.

Extra Debit Mastercard Advantages

Here are the most noteworthy benefits that come with this card.

No credit check

Getting approved for a card often implies that the issuer must check your credit history with one of the major credit bureaus. It has a negative effect on your credit score, and things become even worse if you get denied. With Extra Debit Mastercard, you don’t have to worry; the issuer won’t initiate a credit check.

Instant approvals

Getting approved for this card is not only fast but easy as well. All you have to do is visit the official website and connect your bank account. The card currently supports over 10,000 banks. The issuer will approve your card and give you a spending limit based on your bank balance. You will even receive a digital Extra Card to use while you wait for the physical to arrive through the mail.

Earn rewards

Earn up to 1% back in redeemable reward points with every purchase and spend your points on everything from Airpods to Beauty products in the legendary Extra Rewards store.

Build or improve your credit score

With this card, you will be able to improve your credit score. The issuer will report your purchasing history to two credit bureaus – Equifax and Experian. Make sure that there is enough money to pay your card balance, and you will ensure a smooth ride to a good credit score and save extra from getting better interest rates on major purchases in the future.

Great mobile app

This card comes with a top-notch mobile app. You will be able to install it and use it on your smartphone to control and manage your finances effortlessly. The app is regularly updated, safe, fast, and features quite an attractive design.

What Can Be Better

There are a couple of downsides to using this card you should know about. First, Extra Debit Mastercard has several monthly and yearly subscription plans.

Another major disadvantage is no ATM coverage. It simply means that you will have a MasterCard in your pocket, but you won’t be able to use it at any ATM. You can get cash back from your bank account and withdraw it with a card issued by your primary bank.

How Does Extra Debit Mastercard Work?

  1. Connect your bank account. Once your bank account is connected Extra will issue a credit based on your bank balance. This credit you can use on purchases to build your credit history.
  2. Do purchases. Once you do a purchase Extra will cover it with your assigned credit for 24 hours and will pay itself back from your bank account the next business day.
  3. Get your credit reported. Extra will combine all your purchases and the paid-off credit amounts. This report will be pushed to credit bureaus to report your credit activity.

What Makes Extra Debit Card Different

If there is anything that makes the Extra card unique, then it is the fact that you can use it to build your credit score even though it is a debit card. The issuer will report your financial behavior to two major credit bureaus. You will be able to use this card to improve your credit score and apply for better credit cards in terms of APR, interest rates, and affordable fees.

Extra Debit Mastercard Competition

Bottom Line

Extra Debit Mastercard is an excellent opportunity for people with bad or no credit history to start building and improving their credit score. Applying for this card is straightforward, and using it regularly will help you get the desired credit score. In addition, you will get cashback rewards in terms of points which you can then spend.

Frequently Asked Questions

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Basic Information
Issuer: Evolve Bank & Trust
Network: Mastercard®
Category: Consumer (Stored Value)
Best Used For:
  • Cards for Bad Credit
  • Guaranteed Approval
  • Teen Debit
  • EMV Chip
  • No Credit / New to Credit
  • Building Credit
  • Digital Cards
  • Debit Card
  • Rebuild Credit
Rewards: Yes
Reward Types:
  • Other Rewards
  • Universal Rewards
Reward Units: Point
Rates & Fees
Annual Fee: $0
Opening Min: $8
Application Fee: $0
ATM Fee: $0
Other Fees:
  • Extra Credit Building: $8/month
  • Rewards+Credit Building: $12/month
  • Card Purchase Fee: $0.00
  • Card Activation Fee: $0.00
  • Account Registration Fee: $0.00
  • Automated Customer Service: $0.00
  • Live Agent Customer Service: $0.00
  • Bank Teller Withdrawal: $0.00
  • Inactivity Fee: $0.00
  • Close Card: $0.00
  • Replace Card: $0.00

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Rec. Credit Score

Accepts All

*The information provided for Extra Debit Mastercard® is believed to be accurate at the time of evaluation or recent update on September 14, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Extra Debit Mastercard®

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Rec. Credit Score: Accepts All

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