- Debit that builds credit
- 2 Plans with 25% off
- No Deposit Required
- 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
4.0 / 5.0 (17 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Stored Value)
Card Type:
Building Credit
Card for Bad Credit
Debit Card
Digital Card
EMV Chip
Guaranteed Approval
No Credit / New to Credit
Rebuild Credit
Teen Debit
Reward Card
Credit Needed:
Accepts All*
Grace Period:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
Application Fee:
ATM Fee:
Additional 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

POS PIN Debit Purchase (Int'l) - $0.00
POS PIN Debit Purchase - $0.00
POS PIN Purchase (Declined) - $0.00
POS SIG Purchase (Declined) - $0.00
POS Signature Purchase (Int'l) - $0.00
POS Signature Purchase - $0.00


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.

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

The Extra Debit Card is the perfect tool for anyone looking to build a stronger credit history while still enjoying the conveniences of a debit card. With no credit checks required for application, it offers a seamless process that respects your credit score.

One of the card's key features is its reward system. Each purchase made using the Extra Debit Card earns you up to 1% back in points, leading to lucrative rewards down the line.

With its powerful combination of credit-building features and rewards, the Extra Debit Mastercard has quickly become an attractive choice for individuals looking for a more rewarding financial experience.


Most attractive:
- Credit score improvement
- Reward points on purchases
- Absence of credit checks
- User-friendly mobile app
- Smooth integration with banks
Least attractive:
- Subscription costs
- ATM withdrawal restrictions
- Spending limit determined by bank balance


- Earn rewards for every dollar spent
Other Benefits:
See website for other benefits
Online Access:
100% Guarantee Approval:
Credit Reporting:

*The information provided for Extra Debit Card is believed to be accurate at the time of evaluation (Jan 1, 2024). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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