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Extra Debit Card Review: How it Works

The Extra Debit card is a game-changer for millions of Americans. One reason the Extra debit card is famous is that it is the first debit card that helps develop your credit history without stopping/limiting you from spending your money.

An Extra debit card creates a safe and flexible credit where you have access to build your credit experience over time usage. 

At the same time, everyone knows the Extra debit card for their no hidden fees, no credit checks, and no interest rates policies, which have worked for them, and their uses for a long time.

The Extra debit card gives you access to earn rewards each time you purchase or use their card regardless of the place, and this makes them more unique than another debit card, as there’s a limit to other debit card rewards to certain places.

Even most well-established banks still need to offer what the Extra debit card offers. 

In this article, I’ll explain everything you need to know about: what is an Extra debit card, why you need one, how the Extra debit card works, and the pros and cons of having the Extra debit card, and more.

What is the Extra Debit Card?

The Extra debit card is a stealth finance company to help over a hundred million Americans build their credit.

The extra debit card enables users to build their credit history with no interest charges or hidden fees that other debit cards collect.

Also, the Extra debit card allows users to enjoy every big perk they are offering without charges that might limit their credit.

Equally, the Extra debit card also reports Experian and Equifax annually.

Check Also: How To Get A Debit Card Easily

Why Do You Need the Extra Debit Card?

You should have the Extra debit card for multiple reasons; most of these will help you decide on the debit card you should get next. 

The Extra Debit Card uses your spending to build your credit with the top credit bureaus. This means they report all of your monthly transactions to Experian and Equifax.

Also, they report these transactions as positive information (timely payment) to help you build your credit. However, the Extra debit card allows users to increase their credit history and earn rewards each time they use it.

 The Extra debit card is also safe to use as they increase security and take care of its user’s personal information.

In case of a fraudster or scam alert, the Extra debit card will send you a real-time mail informing you of the transactions you make with your Extra debit card, and when you notice that you didn’t make any other transactions, you can notify their member concierge.

We all want to earn some reward for something, and the Extra debit card can help you earn points for each transaction you make, regardless of the location or the reasons.

You get points and exclusive access to the Extra shops. When you purchase goods or services with your debit card, you earn points, which can be used to boost your credit score. 

You need the Extra debit card because they help increase your credit history, and here is how they do that. All the transactions you make at the end of each month are gathered and will be reported to the credit bureaus to help you increase your credit history. 

See Also: What Is a Debit Card and How Does It Work?

How Does Extra Debit Card Work?

Are you curious about how Extra debit cards work? Well, you are on the right page.

An extra debit card is the first to help you build your credit score, and they do that by gathering all of your transactions within the month and reporting them to the top credit bureaus. 

The Extra debit card helps you to monitor your credit score and help you build your credit history. This is how the Extra debit card works; they link your bank account to your debit card, although they do not help with credit checks but help you figure out your limit through your bank account.

Once you sign up, your bank account is to be linked with the Extra debit card, and then you can make some purchases with your card, which will build your credit score.

The debit card does not charge you for any hidden fees, and at the end of every month, you report your transactions to credit bureaus, and this will boost your credit and help you take loans in case you are looking forward to taking loans from banks.

When you make transactions with your Extra debit card, they spot you for that certain transaction; Extra debit card is a card that helps you build your credit while they give you a spending limit based on your bank account.

See Also: How to Overdraft A Debit Card

What is the Eligibility Status for Applying for the Extra Debit Card?

Here are a few requirements for applying for the Extra debit card:

1. You need to be 18 years of age or above 18.

2. An ITIN or SSN is required, so having one of these numbers is necessary.

3. A physical address is required to receive your extra debit card.

4. You must have a valid US/Canadian-based bank account to link your card.

How to Apply for the Extra Debit Card?

If you think applying for an Extra debit card is difficult, then you need to be corrected because it is easy with few requirements. Here are a few steps on how to apply for the Extra debit card:

Step 1

The first step is to visit the official Extra page. The link to the official page- -

Step 2

Then click “Apply now,” then click on the box asking if you are up to 18, then click “Begin Application.”

Step 3

You must input some of your personal information, such as your phone number and email address, and then select “Continue.”

Step 4

I will send a verification code to your phone number or email, then input the code and click on continue. Then complete your application by providing your SSN and other private information and connecting your bank account. Then wait for the approval. Once you get approval, download the extra debit card app from your Play Store for easy access.

Where Can I use my Extra Debit Card?

For the Extra debit card, you’re not limited to just one place, as you can use your debit card anywhere they accept MasterCard, and this is easy because MasterCard can be used anywhere.

Even if you decide to travel, you can use your extra debit card abroad and continue to score points when you make various transactions, which will help you build your credit. To monitor your account frequently, download the extra debit card app from your play store or apple store.

How Long Does it Take Before I Can Get the Extra Debit Card?

Usually, Immediately after your Extra debit card is approved, you’re expected to receive your debit within five to ten business days.

And if it is beyond that time frame, you can reach out to the Member concierge in the Extra app or visit their website to read through the debit card policy reports.

How Much Does it Cost to Get an Extra Debit Card?

One of the best perks of Extra debit cards is that they don’t charge you much as other debit cards do. But they charge a flat monthly subscription, which ranges from $7 and above, and you can decide to pay them all at once.

When you purchase with your Extra debit card, you get at least 1% cashback as a reward, making it easier to pay for the monthly subscription.

An extra debit card costs little to main as you won’t have any reason to be bothered about hidden fees, steep interest, or even data mining, and they offer more rewards.

Pros of Having/Using the Extra Debit Card | Extra Card Review

The Extra debit card is the best and first in helping their users build credit, and it also offers various perks. Here are some of the advantages of having/using the Extra debit card:

1. One of the missions and advantages of having an Extra debit card is that they help build credit; when you purchase with your card, your extra debit card helps you increase credit with no hidden fees or extra charges.

2. Here is what we like more, the reward part, a most debit card does not offer what the Extra debit card offers in terms of credit. Your purchase will earn you 1% with no interest charges with your card.

3. The Extra debit card offers you no credit check, as this is rear with other debit cards, and this gives you the opportunity of enjoying the advantages of a credit card with your extra debit card.

4. There is no delay in using your extra debit card because your card works immediately after getting it.

5. Extra debit card requires a working bank account but not necessarily a new one. You don’t need to go through the trouble of opening a new account, as your old one can be linked to your extra debit card.

6. With your extra debit card, no credit checks and no deposit are required because you can only spend what you have in your bank account, which will positively impact your credit score.

7. Extra debit card is safe to use as you don’t have to be on edge each time you make transactions, and you’ll get fraud alerts in case there are attempts on your card or any suspicious activities. 

8. Extra debit card is one of the safest ways to build credit and earn points when making transactions. And when you make transactions in a foreign country, no fee is required

9. The Extra debit card has excellent customer support that replies immediately.

Cons of Having the Extra Debit Card | Extra Card Review

Just as the advantages of the Extra debit card are amazing, there are also some downsides to the debit card.

Here are a few lists of the downsides of having an Extra debit card: 

1. One of the disadvantages of the Extra debit card is the monthly subscription fee, the debit card charges up to $7 for this fee. And for credit building with reward plans, you’ll pay up your $12.

2. As much as the debit card promotes earning, it offers limited rewards because you need to spend up to $500 or more to earn up to $3, and you can only cash them out in Extra’s store. The terms and conditions for earning are limited.

3. There is a monthly fee of $7 for a basic plan or $12 for the plan that includes rewards, and if you plan on paying them all in a year, it will cost up to $108/per year

4. Most debit cards allow you to withdraw cash, but there is no access to ATMs with the Extra debit card.

5. The Extra debit card is not insured by the FDIC, but their banking partners are FDIC insured.

6. The Extra debit card customer support is also limited to the live chat on their official website.

7. There needs to be access to ATMs with your Extra card.

8. The Extra debit card offers new users no welcome bonus or promotion.

How Secure is the Extra Debit Card? | Extra Card Review

FDIC might not directly insure the Extra debit card, but FDIC is well insured their partner bank Trust, and they create a legal way to build your credit score.

The Extra debit also sends direct mail informing users of any suspicious or fraudulent activities and helps block these transactions.


Can the Extra debit card ruin my Credit score?

Answer: No, having the extra debit card only help build your credit, not to ruin them.

Why should I apply for the Extra debit card?

The extra card is the only debit card that helps you build your credit score.

Is Extra debit card safe to use

Yes, Extra debit card is safe to use.

Does Extra debit card really help build credit?

Yes, the extra debit card helps you increase your credit.

How long does it take to get the Extra debit card?

Once your account is verified, expect to get your card within five to ten business days.


The Extra debit card has more benefits than its downside, and it can help you build your credit score.

They also offer more cash back rewards each time you make a purchase, and you can redeem them at Extra’s store, and they are safe to use.

I am certain this overview will answer most of your questions on “Extra Debit Card.”




Covenant is a full-time SEO Content Developer and a Data Analyst. A versatile content writer and developer that is keen on developing web content strategy, writing sales copies, optimizing landing page conversion rate, and editing and proofreading content across several niches. The wall of grazes the feel of her SEO content development skills.

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