The Extra Debit Card has a pretty simple structure to it. When you apply for it, you need to connect the card with your bank account. Then, Extra will give you a spending limit based on your account balance and other factors within your application. Whenever you make a new purchase, the company will cover the amount and pay themselves back the next day. At the end of each month, they’ll round up all your payments and report them to the main credit bureaus to help you build or repair your credit score.

There’s no preset spending power on a new Extra Debit Card. The amount varies according to your bank balance and account activity. Usually, new cardmembers will have a lower limit which can increase over time as you use the card responsibly and make on time payments.

You can sign up to two different membership plans with your Extra Debit Card. The first one costs $149 per year and it’s called Credit Building. It will help you stay in control of your spending and credit building journey while offering resources and tools to make sure you’re on the right path. The other plan costs $199 annually and it’s called Rewards + Credit Building. It allows you to build your score responsibly while providing rewards on purchases and exclusive access to the Extra Rewards Store.