Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.

The Extra debit card is like no other debit card you had before. Keep your bank account to receive your paycheck and keep your money, but get the Extra debit card to use your money while you build your credit score and earn rewards.

Yes, you’ve read it right. This debit card will build your credit history, with no need to check your score or pay interest on a credit card balance. Use only the money you have on your account and live debt-free.

Are suspicious about it? We understand it. This is not a common card, and these new features may sound a little confusing. But by reading this review you’ll see that it is pretty logical. This revolutionary debit card works smart so you don’t have to work hard to pay interest. Save your money and your time, and read this review to learn how.

After all: how does a debit card build credit? That is how it works.

You will get approved for a kind of credit line. But Extra debit card is linked to your checking account, so every purchase will be automatically paid. There is no way to delay your credit card bill payment. With this payment structure, Extra doesn’t need to worry about your creditworthiness.

Every month, Extra will report your history to two major credit bureaus: Experian and Equifax. This service will cost you $84 per year, but you will save money you’d usually pay in interest and have zero chance of creating debt.

This debit card comes with many benefits, but as it charges an annual fee you have to weigh the pros and cons to see if it’s worth it. 

Your credit score doesn’t need to be good. In fact, you don’t need any credit score at all. Because this is not a credit card. So don’t worry about this. 

Get rid of your credit card balance with the Extra card. It is not a credit card but will build your credit score. So, you don’t need to use your credit card anymore.

Many people don’t like to use credit cards, but they do so to build a credit history to get a student loan, a mortgage, a car loan, and other necessities. But there is always a chance to overspend, forget to pay your credit card bill, and end up hurting, even more, your score and getting a debt as consequence. This is not good.

Not everybody goes through this, but if that is your case, you should definitely take a look at the Extra debit card. No late bills, no credit check, but yes to building credit score and using an excellent mobile app. Keep reading and we’ll tell you how to get one.

Prepare yourself to get your best debit card ever. Run to the Extra website and open your account. You have to read the terms and conditions and fulfill these requirements:

You’ll start with your name, email, phone number, and other basic information usually required to open a checking account. Once you finish your application and your account is approved, you can download the app to start using your virtual card.

You’ll control everything related to your Extra debit card through the mobile app. Open your account and download the app to enjoy its benefits and start building your score.

With the rise of online and digital banks, many companies offer debit cards with better benefits than traditional debit cards from your regular checking account. Extra is an excellent choice for building a credit score.

But if this is not your concern, you can also take a look at a Sable debit card to use your money while you earn cash back on your purchases. The application process for it is also very simple and can be done entirely through the mobile app. Check below to find the post about the application process for it.

Extra debit card

Sable debit card