2021 Gift Guides

Extra Card: The Debit Card That Builds Credit!

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The holidays can be draining on us emotionally, physically, and definitely financially! Over 100 million Americans either don’t want or can’t get a credit card, and that makes spending, especially during the holidays, extra tough. Extra is the first debit card that helps you build credit – but it goes even further by giving you even more benefits than a typical credit card!

Having a great credit score makes a huge difference in securing your long term goals and financial stability. But accruing credit can be an uphill battle, that’s for sure. Extra’s goal is to make the credit building experience more accessible AND easier with the predictability of a debit card. With Extra, there are no credit checks, no interest rates, and no hidden fees. When I saw that, my ears definitely perked up!

Extra connects to your bank account. That way, your limit is what you have, and you can’t overspend. Plus, when you make everyday purchases, Extra compiles those purchases at the end of every month and reports them to credit bureaus to help build your credit history! Brilliant!

Applying is ridiculously easy, too. I absolutely love that they don’t check your credit. That’s right! When you apply for Extra, you don’t have to worry about your credit being tagged. I figured that there had to be a catch, because too good to be true usually is, right?  With Extra, there are no surprises, honestly! In fact, it’s only $7 a month to have it!

Extra Benefits:

  • No Interest Rates
  • No Deposit Required
  • No Credit Checks
  • NOT a secured credit card
  • Full Credit Impact
  • Daily Payment Cycles
  • 24/7 Support
  • Reports to Experian and Equifax monthly
*Must be 18 years or older to apply 

Even more, Extra is the first debit card that builds credit and earns rewards points just like a credit card!  You’ll earn up to 1% in points for everyday purchases.  That Starbucks you grab on the way to work, the Uber you take home on the weekend, and even your phone bill – all of those count for points! Spend your points in the rewards store to score some really fun items!

If the holidays are overwhelming you financially, and you could use some help with your credit, why not check out Extra?  You’ve got everything to gain from giving it a try, right? Your future deserves everything you can offer it – so let Extra help you out and get the financial freedom you need!



  1. Maryann D. Reply

    I never heard of Extra Card: The Debit Card That Builds Credit! It does sound worthwhile to try.

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