Minimum Deposit
Monthly Fee
$8 for the Credit Building plan or $12 a month for the Credit Building + Rewards plan
Rewards Rate 1
Earn up to 1% in points

Offer Overview

Extra is the first Debit Card that lets you re/build your credit safely and earn reward points with every purchase, all with your existing bank account. No Interest Rates. No Credit Checks. Start getting Extra.

  • No credit checks
  • Keep your bank
  • No deposit required
  • No interest or hidden fees
  • Full impact on credit
  • Earn rewards points
  • 99% approval rate

At a Glance

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category. may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.