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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

This card is great

This card is great! And the rewards store is awesome! And on top of all of that, the card helps build your credit.

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

Remarkable breakthrough.

The concept of Extra is remarkable and revolutionary. I'm honored to be a part of this breakthrough before other companies begin to attempt competing with this credit-enhancing membership. It has helped me out incredibly especially with the effects of my bankruptcy.

May 13, 2024
Unprompted review
Rated 5 out of 5 stars

Unhappy with Your Credit Score?! If you're credit score is struggling or…

If you're credit score is struggling or even if you're just looking to give it a little shove, LOOK NO FURTHER! The Extra Debit Card is the answer you're looking for. I've had it for, (I believe) 2 years now & its SO simple to use, I'd be a fool not to!!! I've even set it as my default payment for a few of my autopay accounts, thus requiring me to do NOTHING, all the while, reaping its benefits:) Just set it, forget it and watch your score, soar!!! Highly Recommend this card! THANK YOU to the developers of this MUST HAVE, EXTRA debit card:)!

May 6, 2023
Unprompted review
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Rated 1 out of 5 stars

Cancelation of this card turned in a nightmare

I have been trying to cancel a service that does not deliver its purpose, but no human has been able to talk to me about it. Emails come and go with different names, which I am sure are just automated replies. The day I expressed my frustration with the service, I started receiving unauthorized charges, so I had to block my bank account. Once it was clarified that only two old charges were mine, I tried to close the card through the app, but it did not allow me to do anything, all the information is blank. I need to close this card by sending them a check to the account they could point out for this. This experience of trying to close the extra card has been getting worse and worse. I have been paying their fee for two years with no good tangible results, even though I don't use credit cards (I only have one), and when I asked for an upgrade, it was denied. There are no humans from Extra Card to fix this problem. Dealing with this 2 months now.Dont use this card, save you the headache!

April 28, 2024
Unprompted review
Rated 5 out of 5 stars

A couple of months after I started…

A couple of months after I started using my account, I got notification after notification about my credit increasing. It really did and still is helping my credit score. Also the members are always pay quick with dealing with any issues you may have.

April 29, 2024
Unprompted review
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Rated 5 out of 5 stars

Extra is a great way to build your…

Extra is a great way to build your credit and the staff are excellent. They are quick and very helpful. They answer all questions and leave you satisfied. I’ve recommended this app to lots of friends and I will continue to do so.

April 18, 2024
Unprompted review
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Rated 5 out of 5 stars

Top Notch

Hey there! I wanted to share my experience with Extra. They have been amazing in helping me improve my credit score and get my finances back on track. By using my card for everyday expenses, I've been able to see significant improvement in my credit rating. I highly recommend their services, and their customer support has been top-notch. Overall, a great experience!

April 19, 2024
Unprompted review
Rated 5 out of 5 stars

Extras customer service is rapidly…

Extras customer service is rapidly fast, they take care of you within an hour or two, I started using extra last month to build my zero credit score, I got my physical card within a few days of submitting all my info and within the 2nd week I had my first score through experian followed by Equifax on credit karma the app is also very helpful by providing you with a deep dive about what credit scores do what and which ones you need to apply for certain loans through their mini web videos, and I personally like how easy the app is set up to maneuver around.

You start of with $100 of purchasing power and gradually go up to $300 as you make your payments with extra, I linked all my recurring payments from Spotify to Netflix with my extra card and despite it being a small payment extra makes it count !

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

customer service

Been with extra a few years now and I’ve seen my credit score change dramatically! Because so I’ve been able to get a new car! Their customer service is the best and I love their rewards store and the giveaways they do!

April 13, 2024
Unprompted review
Rated 5 out of 5 stars

EXTRA

Using thing with other credit cards built my credit quickly.

April 10, 2024
Unprompted review

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