Extra Debit Card Review – Build Credit & Earn Rewards

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If you’re looking for a new way to build your credit or earn some extra rewards, then you might want to consider signing up for an extra debit card. This type of card can be a great way to get started on the road to better credit, and it also comes with some other benefits that you might find useful.

In this article, we’ll take a closer look at what an extra debit card is, and why you might want to consider getting one. We’ll also highlight some of the top reasons why people choose this type of card. So if you’re ready to learn more, keep reading!

What is the Extra Debit Card?


The Extra Debit card is one of the first debit cards which report to credit bureaus. You do not have to have good credit or put down a security deposit to obtain this card. It is an ideal card for those with a low to no credit history. Continue reading our post on the Extra Debit Card review.

Is the Extra Debit Card legit?

Yes the Extra Debit card is legit. Extra was created by a company called Thingy Thing Inc. in California. Their mission is to create a easier and more accessible way for people to build credit without credit checks, interest rates and hidden fees.

Extra is partnered with Evolve Bank & Trust. This bank is responsible for the creation of the physical debit card and all debit transactions. If Evolve sounds familiar to you that is because they are also partners with the Dave app, Stripe, and Yotta bank.

How does the Extra Debit Card work?Extra Debit Card

Extra gives you a limited line of credit for 1-3 business days, then automatically withdrawals it from your connected bank account. The amount of credit is determined by your bank account balance and direct deposits. At the end of each month, Extra will report the total amount spent to Experian and Equifax. This should positively impact your credit score over time.

How much does it cost to have a Extra Debit Card?

Extra currently has two plans for purchase. The first plan for just credit building at $8.00 per month or $84 per year. The second plan includes everything in the first plan plus earned rewards. This plan is $12 per month or $108 per year. On the second plan, you will earn reward points redeemable in the Extra reward shop.

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PlanMonthly CostYearly Cost
Credit Building $8 per month $108 per year (billed annually)
Credit Building & Rewards $12 per month $84 per year (billed annually)

Extra Debit Card Reward System

Extra offers a rewards program for users who sign up for the $12 per month plan. Users can earn points for any purchase they make with the debit card. Additional points will be added to your balance for daily active use of the card.

Every 1,000 points you earn equals $1.00, which can be redeemed for a variety of items on the Extra rewards shop. You can choose from the following categories Beauty, Novelty, Home + Kitchen, Lifestyle, Tech, Gift Cards, Health, and more. Extra hosts a variety of sweepstakes where you can use your points to enter. We prefer taking our points and trading them for gift cards.

We have estimated that every $1.00 spent through the card earns users 5 points, equivalent to 5 cents in the rewards shop. Think of it as a 5% back rewards card, which is fantastic.

(Please be aware that the reward system is subject to change and may have lower rewards in the future.)

Extra Debit Card Referral Program

Currently Extra has a 50,000 point sign-up bonus for new users, which equals to $50.00 in their rewards shop. Use our exclusive sign up link, https://getloot.io/go/extra, while this referral program is running. This can cover 4 months of the rewards account plan. You have to have an active account for 30-32 days for the points to be applied. Once the points are applied we recommend exchanging them for amazon gift cards. You can use the cards yourself, gift to a friend, or sell them on eBay.

Extra Sign Up Requirements

To sign up for Extra you have to meet the following requirements.

  • Have a bank account that Extra supports
  • Be at least 18 years old during the sign-up process
  • Have a valid US mailing address
  • Provide your Social Security Number or ITIN.
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If you meet all the those requirements singing up is quick and easy.

(Extra does not check your credit or require a deposit for signing up.)

Extra Customer Support

The customer support team at Extra provides a excellent service. You can use the Member Concierge app feature if you need assistance with anything, and it will connect you with a live chat support agent who will assist you. Typically you will get a response back within 5 minutes. Alternatively, you can call Extra at 833-984-2291 or email hey@extra.app.

User Reviews

Extra has over 2,000 reviews on the Apple App Store. Here are a few reviews from IOS users.

“From the moment I read their business model, I knew this card would work. And it didn’t take long for me to realize that I was right. I’ve been using my Extra Card for only three weeks (app only, card is in the mail), the first transaction report has already been filed, and my credit has shot up 51 points!” – By 89WMatty

“I’m almost at 600 again for the first time in about three years. I’ve pretty much been just using debit for every single purchase or rent or having to put down ridiculous down payments or security deposits. I’m super glad I decided to use it, and I promise you won’t be disappointed by it.” – By Leighton Butler

“My credit score went up 100 points after three months. Extra is reported as revolving on my Experian dashboard. From 500’s, I went to 600 and I would continue keeping Extra. It’s such a cool idea.” – By Payeya

Closing Thoughts

Extra Debit Card is a great tool to use to build credit for those with low to no credit history, and it allows users to build credit at a low cost and earn rewards while doing so. Users who spend enough with the card will cover the monthly fee. Thank you for reading our post on the Extra Debit Card Review.

Lear more about the Extra Debit Card


Review Date
Reviewed Item
Extra Debit Card
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Extra Debit Card
USD $12.00
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