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.
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.
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
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
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?
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.
Use the Extra Card for everyday purchases. Each time you use your card, Extra fronts the purchase and receives repayment the following business day.
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.
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
Is the Extra Card legit?
Extra is a completely legit brand owned and operated by Thingy Thing, Inc., incorporated on 06/08/2018 in the city of New York, US.
Does Extra require a deposit?
Extra doesn’t require a deposit. There is no limit as with a secured card, meaning that you won’t be utilizing more than 30% of your limit and appear less trustworthy in the eyes of the credit bureau.
Does Extra store my bank account information?
Extra doesn’t store your bank account information. The company uses Plaid to connect to your bank account and never tracks, records, or stores your sensitive data.
How often do Extra reports to credit bureaus?
Extra will report your purchasing history every month. You should be able to see Extra in your credit reports by the end of the following month following your first Extra card use.
Does Extra Debit Card help build credit?
Extra can help you build credit. The company reports your purchase history every month to Equifax and Experian. You can use it to safely build your score from scratch or improve a poor credit score.
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.
*The information provided for Extra Debit Card is believed to be accurate at the time of evaluation or recent update on May 18, 2023. 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 Card
Extra Debit Card
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