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Rated 5 out of 5 stars

Have been using this app for a few months now and has helped my credit score already! Perfect for hotels versus a standard debit card because you get your deposit back much quicker. Customer service i... See more

Rated 5 out of 5 stars

Not only does this card help build credit, it’s accepted nearly everywhere. They are so responsive and helpful if you have any issue and resolve it right away. My favorite thing about this card is you... See more

Rated 1 out of 5 stars

beware of this debit card if you use it, you have to pay it back right away. If you can't pay it back, they will ruin you. They will make your credit score drop as much as 70 points.

Rated 5 out of 5 stars

Have been a member since 2021. Extra has helped me achieve a better credit score and has helped me understand and manage my finances better! I was able to get rewarded for using my Extra card and rede... See more

Company details

  1. Alternative Financial Service

Written by the company

Today, over 100 million Americans don't want or can't get a credit card... and we understand why! Credit cards come with cons. Like overspending, high-interest rates, inaccessibility, and mountains of debt. But, a great credit score can change lives. Especially with important long-term goals, like securing a housing mortgage, or getting the best possible repayment plan on your big purchases. Despite this, there are very few credit-building alternatives. Enter Extra. Our mission is to create a safer, more accessible credit experience with the ease and predictability of a debit card. With Extra, you can relax as you work towards your long-term goals and avoid the pitfalls and traps of a credit card—no credit checks, no interest rates, and no hidden fees.


Contact info

4.2

Great

TrustScore 4 out of 5

844 reviews

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Hasn’t replied to negative reviews

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Rated 5 out of 5 stars

definitely worth it

as someone who struggles to watch my spending, extra helps me keep track of that with my spend power. not to mention it’s helped my credit out tremendously. while the price for extra is definitely on the high side, i still recommend it!

December 30, 2023
Unprompted review
Rated 5 out of 5 stars

I’m really happy with the Extra Card

I’m really happy with the Extra Card. I have had it for almost 2 years now. This card has helped me increase my credit score and I got a vehicle this month with no money down as a first time buyer! I highly recommend this card, look for the app in the Play store for google or android phones or App Store in Apple iPhones. This card will change your life! This is not a credit card! This card is connected to your bank account and when using the Extra card for debit card purchases…it increases your credit score over time. The more you use it the better! Increase your credit score today! Get the Extra card!

December 30, 2023
Unprompted review
Rated 5 out of 5 stars

I had issues submitting docs

I had issues submitting docs and receiving error messages. I reached out explained and was helped with 5 star service. The help Made sure I was able to move pass any problem I had & followed up to be sure it was successful.

December 27, 2023
Unprompted review
Rated 5 out of 5 stars

Great service overall

I’ve been using Extra for over a year now and I like that I can build my credit without the worry of having to pay interest like a traditional credit card. The automatic payments make keeping track of my expenses easy and the reward program is definitely worth the price. I’ve had to reach out for help using the concierge service and they have been super helpful and quick with my requests.

December 29, 2023
Unprompted review
Rated 4 out of 5 stars

I didn't have credit before using this…

I didn't have credit before using this card. It was my first credit card and honestly it did give me a great score for awhile. They used to have even better customer service when first starting, but I can't really hate on Extra at all. They've done overall pretty good in general. I only wish they'd up my spend power to the limit I used to have lol.

December 26, 2023
Unprompted review
Rated 5 out of 5 stars

Love Extra!

I’ve been using Extra for over a year now and it has immensely helped my credit. It’s been super easy to use (it literally just operates like a debit card) but its been much more user friendly than my bank app because of the app interface. You can turn notifications on so that you can see when a transactions is completed with your Extra card either in person or online, which is helpful to see that payments have been authorized. I love the Spend Power feature; it’s a useful way to be aware of how much you can spend without going too low on your checking balance.

December 23, 2023
Unprompted review
Rated 5 out of 5 stars

Listen get this APP!!!!!

Listen, if you’re reading this listen if you’re reading this, then you did a great choice. They have been able to help me with every endeavor all of my friends have extra and if you’re reading this, you need to get this to you, because not only did it. My credit, but they also have financial tools in the app and the member concierge answers immediately. If you’re reading this, I’m telling you go ahead right now download this app and you’ll love it. I’m never deleting this app. I can make a purchase I was going to make anyways using Extra and now he counts towards my utilization. Amazing. Thank you guys.

December 22, 2023
Unprompted review
Rated 5 out of 5 stars

I reached out to Extra to let them know…

I reached out to Extra to let them know I had a negative balance on my account… that I didn’t know how it got there and within an hour they fix my issue… went from a negative back to good standings … Thanks 🙏🏾 Extra

December 19, 2023
Unprompted review
Rated 5 out of 5 stars

Love love love this card!

Love love love this card!! It has helped increased my credit score, and the rewards points are a great bonus! Motivates you to use the card often! Got a $85 juicer for $14 using my points!

December 21, 2023
Unprompted review

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