Extra Debit Card
Extra · Mastercard
That 1% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data verified on unchanged since personalise the calc the sources
Worth it if you live in the US and want to build credit history with no debt risk or interest, with 1% cashback and a claimed ~48-point average lift.
Avoid it if you are outside the US (not available in Italy) or mind the $149–199/year cost and lack of ATM withdrawals, with reporting only to Experian and Equifax.
Extra is a debit card designed to build credit history without debt risk, security deposit or interest, claiming an average score increase of about 48 points. It offers no ATM withdrawals, costs $149–199 per year, and reports only to Experian and Equifax, leaving out TransUnion.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Card type | Credit card |
| APR | 0% |
| Issuance fee | Free |
| Annual fee | €240/year |
| Free ATM limit | N/A (no ATM withdrawals) |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 1% · Nessuno |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US · 1+ countries |
| Estimated net annual cost | €149/year |
| Regulator | FDIC |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | Partner bank charter |
Plans & pricing
Strengths
- Debit (zero risk debit); +48 points medi; no security deposit; no APR.
- No notable sovereignty advantage documented.
Weaknesses
- No ATM; $149–199/year; only Experian+Equifax.
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Good but pricey: a debit card that builds credit history with no debt risk, no deposit and no APR, claiming an average ~48-point lift and FDIC custody. What holds the score at tier B is the $149–199/year cost, the lack of ATM withdrawals and reporting only to Experian and Equifax (no TransUnion), which limits effectiveness versus covering all three bureaus.
Here it weighs little: a custodial, full-KYC card, FDIC-regulated and US-only, with no self-custody or censorship resistance. The debit mechanism lowers consumer risk but adds nothing on the crypto-native autonomy axis, so the verdict drops sharply.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Extra Debit Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
App Store ↗
4.6/5
9,534 reviews
iOS app “Extra” (publisher The Aligned Company); exact figure read from Apple's lookup endpoint.
-
Google Play ↗
4.2/5
2,351 reviews
Exact count (2,351) and rating (4.234) read from the page's JSON-LD structured data, not from the rounded “2.35K” label displayed on screen.
Weighted average across 2 public review platforms (11,885 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Extra Debit Card a safe card?
Extra Debit Card is a custodial card on the Mastercard network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does Extra Debit Card cost?
The plan costs about $149-199/year (or ~$20-25/month). Issuance is free and the FX markup is 0%. See the tier table for full conditions.
Does Extra Debit Card offer cashback?
Yes: cashback goes up to 1%, depending on the tier.
Is Extra Debit Card available in Italy?
No, Extra Debit Card is not currently available in Italy.
Is Extra Debit Card custodial or self-custody?
Extra Debit Card uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework · Legal name · Custody · +1 Data verified on Jun 14, 2026
- finder.com Annual cost · Variante credit builder.issuer bank · Variante credit builder.collaterale crypto · Variante credit builder.credit limit eur min · +7 Data verified on Jul 11, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- businesscreditworkshop.me Founders Data verified on Jun 13, 2026