Debit Cards

Extra Debit Card review: use debit to boost your credit

Do you want to build your credit by paying with debt? Then this Extra Debit Card review may be just what you need! No credit check required! Read on!


Extra Debit Card: earn cash back on purchases

Extra Debit Card
Extra Debit Card review. Source: The Mad Capitalist

Did you know you can build credit with a debit card? In this comprehensive Extra Debit Card review, we’ll introduce you to this revolutionary way of boosting credit.

Extra logo

Extra Debit Card application: how does it work?

Get the extra credit score you need without a credit card. Learn how to apply for an Extra Debit Card! Earn points on select transactions!

Discover how this simple strategy could help you build your credit faster.

  • Credit Score: All credits considered;
  • Annual Fee: See terms;
  • Regular APR: 0%;
  • Welcome bonus: N/A;
  • Rewards: Earn up to 1% in points.**

Extra Debit Card: how does it work?

The Extra Debit Card proposes a new way to build credit. You’ll make a purchase, and Extra pays the merchant instantly.

After one day, Extra will connect to your checking account and take the money for the transaction.

Then at the end of the month, the amount you spent using this card will be reported as a credit to two bureaus of credit.

Fees and rewards

The Extra Debit Card comes with two different plans:

  1. The Credit Building Plan: $149/year or $20/month;
  2. Credit Building Plan Rewards: $199/year or $25/month.

You’ll turn your monthly spending into credit reports with the first plan.

However, with the second plan, you earn 5 points for every dollar spent (1 point equals 0.2 cents) to redeem in electric toothbrushes, gift cards, AirPods, and more.

There are no transaction fees because this card can’t be used internationally.

Credit utilization ratio

Enthusiastic handsome millennial man feeling excited looking at
Learn how the Extra Debit Card works. Source: Adobe Stock

One of the best things about using this card is that it can help improve your credit utilization ratio, which is an important factor in determining your overall credit score.

The lower your utilization ratio, the better your score will be. So using about 30% of your purchase power is recommended every month.

Extra Debit Card: should you get one?

You could enjoy the Extra Debit card if you struggle to get credit card approval because of bad credit. However, it comes with a high annual fee.

So you’d better review the Extra Debit Card pros and cons before you decide if this alternative works for you.

Multiple personalized credit card offers

Applying won't hurt your credit score

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  • Extra is the first debit card that helps you build your credit and earns reward points.*
  • Earn up to 1% back** in redeemable reward points with every purchase and spend your points on everything from Apple Airpods to Beauty products in the legendary Extra Rewards store.
  • Extra is compatible with over 10,000+ banks* across the United States—keep your money where you want, while spending smarter with Extra.
  • No Credit Checks.
  • No Deposit Required.
  • No interest charges or surprises.
  • *Please refer to Extra Card’s Terms of Service and Cardholder Agreement for additional details.
  • **With Extra’s Credit Building + Rewards Plan.


  • High annual fee;
  • It doesn’t report to TransUnion.

Credit score required

No credit check is necessary to get the Extra Debit Card because it’s not a credit card, so there are no minimum score requirements.

Extra Debit Card application: how to do it?

How to start building your score using debit? So apply for the Extra Debit Card in no time with our application guide below!

Extra logo

Extra Debit Card application: how does it work?

Get the extra credit score you need without a credit card. Learn how to apply for an Extra Debit Card! Earn points on select transactions!


The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Loans provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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