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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

I recently joined EXTRA..

I recently joined EXTRA as a good friend of mine has been building her credit using Extra and strongly recommended it to me. So far my experience has been really great. Customer service has been amazing, I love the option to build credit without having to apply for another standard credit card. I’m looking forward to seeing how it improves my credit over time.

February 1, 2024
Unprompted review
Rated 5 out of 5 stars

Love Extra

Honestly I love extra. I use it as my Reguar form of payment instead of my debit card so I can get credit for EVERYTHING I purchase. Even if it’s just a pack of gum!

Customer service is also great! I don’t have to wait hrs to speak to a HUMAN ( not a robot) I’m honestly proud to be a customer of Extra.

January 25, 2024
Unprompted review
Rated 5 out of 5 stars

I love Extra

I love Extra. It honestly helped build my credit a whole lot faster than I was expecting. It’s nice to be able to use it for everyday purchases, and due to it functioning like a debit card is what really helped my credit the most since I only use my credit cards for travel and large purchases. Having a spending power is nice too so that I don’t overdue. I definitely recommend this card for absolutely anyone, huge bonus is their customer service, kind, helpful, and very timely responses.

January 22, 2024
Unprompted review
Rated 5 out of 5 stars

Go with Extra!

I got this card when I was looking for a secured card to boost my credit. This works perfectly. There is a monthly $12 fee. They report on time every month and they have a rewards program where every dollar you spend is rewarded in points that unlock items in their store front. Some of us have bad credit, some of us just need responsibility, this card and program can offer improved credit and teach you how to manage your credit better. Lastly, the customer service is 24/7 and top notch. I highly recommend!

January 25, 2024
Unprompted review
Rated 5 out of 5 stars

I recommended everyone to apply for…

I recommended everyone to apply for this card because it really help you out on financing and improve your credit scores! The costumer service is really good on help you out when you need their assistance! It worth every moneys you spend on this card and rewards is awesome!

January 25, 2024
Unprompted review
Rated 5 out of 5 stars

Fix error in the software quickly

I got a strange error in the software and it was quickly resolved and the rep was very responsive over email as I got the first response within minutes and then follow-up quickly after.

January 8, 2024
Unprompted review
Rated 5 out of 5 stars

Have been using this app for a few…

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 is top notch. They respond quickly and aresuper friendly. 10/10 recommend singing up with these guys.

January 15, 2024
Unprompted review
Rated 5 out of 5 stars

Extra is best way to build credit

Extra is best way to build credit. It boosted my credit scores only using this card for 4 months. It provides free credit score on the app and its convenient to use. Highly recommended!!!

January 18, 2024
Unprompted review
Rated 4 out of 5 stars

Wonderful Experience

I have had a wonderful experience with Extra since 2021. Consumer Service has been great in my experience. I've also enjoyed the journey of going from NO credit history, to good credit - thanks to this product. I tell people about it as an alternative to credit cards all the time!

January 15, 2024
Unprompted review

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