Extra Debit Card

A Key to Building Your Credit History and Earning Rewards

Updated: Jan 02, 2024

Advertiser Disclosure

The Extra Debit Card is a well-crafted financial instrument designed for individuals eager to enhance their credit score1. This unique debit card, issued by Evolve Bank & Trust, offers a seamless integration with your bank account, an opportunity to earn rewards, and most importantly, does not require credit checks, ensuring your credit score remains unaffected.


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Extra Debit Card

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Application Fee


Credit Reporting


Recommended Credit Score

Accepts All

Key Features

  • Debit that builds credit
  • 2 Plans with 25% off
  • No credit checks, No interest
  • Earn Reward Points for Every Purchase
  • Exclusive Access to the Extra Rewards Store
  • 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

Endorsed by Mastercard, protected by FDIC insurance, and issued by Evolve Bank & Trust, the Extra Debit Card stands out with its features like monthly credit reporting, rewards, and the absence of credit checks. This debit card is ideally suited for:

  • Individuals focused on improving their credit score
  • Those having US or Canadian bank accounts
  • Consumers interested in accumulating reward points

Key Advantages of the Extra Debit Card

Here are the salient benefits of the Extra Mastercard:

No Credit Check

With traditional card issuers, there’s usually a mandatory credit history check with the major credit bureaus. This process can inadvertently dent your credit score, especially if your application isn’t successful. However, with the Extra Card, you can rest assured that your credit score won’t be impacted. The application process does not initiate any credit checks, prioritizing your credit score’s integrity, and making the card a more accessible option for those wary of credit inquiries.

Earn Rewards

The Extra Debit Card is designed to make your spending more rewarding. With every purchase, you stand to earn up to 1% back in reward points, making your regular spending a source of constant reward accumulation. These points can be redeemed across a wide array of products available in the Extra Rewards store, ranging from trendy tech gadgets like AirPods to beauty products. The more you spend, the more rewards you earn, adding a fun and beneficial dimension to your purchases.

Improve Your Credit Score

A standout feature of the Extra Debit Mastercard is its contribution to improving your credit score. Every purchase you make is reported to two of the primary credit bureaus – Equifax and Experian. As a result, timely payments and responsible usage of the card can lead to an upward trajectory for your credit score. Having a strong credit score is essential, as it helps you secure better interest rates for major future purchases such as a home or car, ultimately leading to significant savings.

Robust Mobile App

Accompanying the Extra Mastercard is a top-of-the-line mobile application that acts as a hub for all your financial management needs. This app allows you to monitor and control your spending from the convenience of your smartphone, ensuring that you’re always in the loop about your finances. Designed with a focus on security, speed, and usability, the app also boasts regular updates to keep it current with the latest features. The app’s visually pleasing design further enhances the user experience, making financial management less of a chore and more of a breeze.

Extra Debit Card Subscription Plans

Credit BuildingRewards+Credit Building
The debit that builds credit
Concierge Support 24/7
Spend Tracking App by Extra
Unique and attractive card design
The debit that builds credit
Concierge Support 24/7
Spend Tracking App by Extra
Unique and attractive card design
Earn Reward Points for Every Purchase
Access to Exclusive Extra Rewards Store
Claim this offerClaim this offer

Considerations for Improvement

Despite its strengths, there are areas where the Extra Card could improve. The card includes annual subscription plans and lacks ATM accessibility. Although you can’t use it at ATMs, you can withdraw cash from your primary bank using a different card.

How Does the Extra Debit Mastercard Work?

  1. Download the app and apply for the Extra Card. Once approved, you’ll receive your card with a spending limit based on your bank account balance and other factors. No credit checks are necessary.
  2. Use the Extra Card for everyday purchases. Each time you use your card, Extra fronts the purchase and receives repayment the following business day.
  3. Improve your credit score. Extra consolidates all your purchases and repaid credit amounts, reporting this data to credit bureaus to reflect your credit activity.

What Sets the Extra Card Apart?

The defining feature of the Extra Debit Card is its ability to bolster your credit score, a feature not common among debit cards. It reports your financial behavior to two major credit bureaus, enabling you to build a robust credit score and qualify for superior credit cards offering competitive APRs, interest rates, and affordable fees.

Extra Debit Mastercard Competition

Bottom Line

The Extra Debit Card presents a remarkable opportunity for individuals with limited or poor credit history to start building a robust credit score. The application process is straightforward and regular usage helps you steadily improve your credit score. Additionally, the reward points system provides cashback on purchases, adding an extra layer of benefit.

Using the Extra Card for everyday transactions, you can enhance your financial health while reaping rewards. This debit card not only provides you with a stepping stone towards better credit cards but also gives you the freedom and convenience of not having to worry about credit checks.

Take control of your financial future today with the Extra Mastercard. It’s more than just a debit card – it’s an investment in your financial growth and stability. Start building your credit score and earning rewards right away. Don’t wait – join the Extra community today!

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: See Terms
Opening Min: $10
Application Fee: $0
ATM Fee: $0
Other Fees:
  • Extra Credit Building: $149/year ($12.5/month)
  • Rewards+Credit Building: $199/year ($16.58/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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Additional Information & Comments

The Aligned Company d/b/a Extra ("Extra") is a technology company, not a bank. Banking services provided by and the Extra Mastercard Debit Card is issued by Evolve Bank & Trust, Member FDIC ("Issuing Bank"), pursuant to a license from Mastercard USA. Cardholders must be at least 18 years old and a citizen of the United States, or a permanent resident with a valid social security number (SSN) or ITIN. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for an Extra Debit Card. Your eligibility for the Extra Debit Card is the decision of the Issuing Bank.

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. The 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 the plan and term selected.

Non-Affiliate Offer Disclosure
*The information provided for Extra Debit Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

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Rec. Credit Score: Accepts All

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