Extra Debit Card Extra Debit Rewards + Credit Building
A plan byExtra Debit Card · Mastercard
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.
Extra Debit Rewards + Credit Building
- Price
- €20
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 1%
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- N/A (no ATM withdrawals)
- Net annual cost
- €149
What's included
- No interest
- No late fee
- No credit check
- 1% rewards everyday
- Reports to bureau
The clause
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 & 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 |
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