Evolve Bank & Trust
Extra (debit)
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Card review
Extra (debit)
Evolve Bank & Trust
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$84
Welcome bonus
See issuer
Est. net value
$69/yr
Credit score
Varies
Top earn rate
0.6x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Extra (debit) from Evolve Bank & Trust carries a $84 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $153.36 in rewards plus $0.00 in credits and perks — $69.36 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseAll Purchases | 0.6× |
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$84
- Stated credits
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$84
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
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Reward Calculator
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $84 per year.