Extra Debit Card

Debit card that helps you build credit history while earning rewards

Updated: Nov 04, 2022

Advertiser Disclosure

The Extra Debit is the perfect debit card to get if you want to build your credit score1. 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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26 User Ratings

Extra Debit Card

at Extra's Secured website

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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

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

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

Extra Debit Card 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 Card, you don’t have to worry; the issuer won’t initiate a credit check.

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 help build your credit. 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.

Extra Debit Card Annual 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

What Can Be Better

There are a couple of downsides to using this card you should know about. First, Extra Debit Card has annual 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. Download App and get the Extra card. After your application is approved, you’ll receive your Extra debit card with a spending limit based on your bank account balance and other variables. No credit checks are required.
  2. Use Extra for daily purchases. When you swipe your Extra card at the point of sale, you will be spotted for that purchase by Extra and it will get a payback the next business day.
  3. Build your credit. 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 help build 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 Card is an excellent opportunity for people with bad or no credit history to start building 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: 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

Extra Debit Card Alternatives

Extra Debit Card

Extra Debit Card


Annual Fee

See Terms

Regular APR


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Rec. Credit Score

Accepts All

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.

*The information provided for Extra Debit Card is believed to be accurate at the time of evaluation or recent update on November 04, 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.

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Rec. Credit Score: Accepts All

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