Debit Cards
Extra debit card review: is it worth it?
If you prefer using debit cards instead of credit cards, get yourself an Extra debit card to get benefits like rewards points and even build a strong credit score. Read this review to understand how it works.
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by Aline Barbosa
Extra debit card: a debit card that builds your credit score.

You will understand why this debit card is unique when you read this Extra debit card review. You might wonder: why use this debit card instead of the regular debit card of my bank account?
Probably, your debit card does not offer the same benefits as the Extra debit card. Or even no benefit at all. But with Extra you can get rewards and build your credit score with no risk of creating debt.
You can choose the way you’d like to spend your money, without being made a hostage of your bank account. To learn more benefits of choosing Extra as your go-to debit card, keep reading this post.

Learn how to get the Extra debit card
Are you tired of having a debit card with no benefits? It's time to apply for Extra debit card and get credit card advantages without any credit score requirement.
Credit Score | No credit score is required |
Annual Fee | $84 – $108 |
Regular APR | N/A |
Welcome bonus | Does not offer a welcome bonus. |
Rewards | When you upgrade your subscription, you can get 1% of your purchase back in points. |
Extra debit card: is it a good card?
Not everybody enjoys having credit cards. We know they can offer many perks and rewards, but they are also a temptation for overspending, and some people don’t know how to handle them properly.
It can be hard to track so many accounts and take care of your checking account as your credit card at the same time. But on the other hand, having a credit card is the best way to build a credit score. A high score will grant you better loans, mortgages, etc.
Extra debit card will give you a solution. You will use it like a reloadable debit card by linking it to your checking account. Every time you make a purchase, Extra pays for it, and then, Extra will report your card usage to the major credit bureaus. And you have zero risk of creating debt and paying interest on it because you can only spend the amount you have on your linked checking account.
You’ll have to pay a fee for this service, but you can earn rewards if you subscribe to the rewards version.
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Extra debit card: should you get one?

You can open your account with Extra and receive an Extra debit card to spend your money. You’ll enjoy some pros, and deal with some cons, just like every card.
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Pros
- No credit check to open your account
- It is not necessary to put any security deposit
- Build credit score while you use it.
- Enjoy a Concierge service to assist you.
- Earn rewards
Cons
- Your credit history will not be reported to TransUnion
- It does charges a monthly fee (that you can pay annually to save a few dollars)
What is the required credit score?
Extra will not ask for an inquiry on your score, because it will not give you a credit line. There is no risk of you overspending and leaving a balance behind because they will automatically get the money linked in your account to pay for every purchase.
Extra debit card application
You don’t have to apply for the card. All you need to do is open your account and link a valid checking account. The following content will tell you everything you need to know to get this debit card.

Learn how to get the Extra debit card
Are you tired of having a debit card with no benefits? It's time to apply for Extra debit card and get credit card advantages without any credit score requirement.
Aline Barbosa
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