Extra is no longer marketing their Debit Card. We suggest the following card instead which is a better card.
Arro Card
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Arro is an unsecured Mastercard and like the Extra Debit Card, that does not perform any hard inquiry because it does not rely on FICO scores to approve you. Instead they rely on your monthly income. You need to have a monthly income of at least $1,800 to be approved (you would need to link your bank account to Arro via PLAID (just like Extra Debit Card) for them to verify this). This is a much better card than Extra Debit Card because:
- It is an unsecured credit card and not a debit card
- It has a monthly fee of $3/month, much lower than the $145 annual fee of Extra Debit Card
- It reports to all three bureaus unlike Extra, which reports only to Experian and Equifax
- Both Arro and Extra do not perform any hard inquiries