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See what reviewers are saying

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

Since I started using the Extra card…

Since I started using the Extra card I’ve seen a lot of good results. My credit score has gone up amazingly since the moment I made my request three years ago. Customer service is really caring about anything you need; their response is always fast.

8 April 2024
Unprompted review
Rated 5 out of 5 stars

great organization, knowledgeable team!

This is a great organization. They're helpful, supportive, and every person i have interacted with is very knowledgeable about their products and services. Its already brought my score up and helped build my credit. I highly suggest getting and extra card! You won't be disappointed.

7 April 2024
Unprompted review
Rated 5 out of 5 stars

Helped me

This helped me boost my credit from being less than 400 to over 600 in a year. Would definitely recommend to anyone trying to improve their credit.

8 April 2024
Unprompted review
Rated 5 out of 5 stars

Amazing customer service

Amazing customer service. Anytime I’ve had to go through customer service it’s been a breeze very quick to help very professional. My only complaint has nothing to do with the CS it’s just that the app crashes when viewing the “tech” category in the rewards but other then that am amazing app amazing customer support.

5 April 2024
Unprompted review
Rated 5 out of 5 stars

Extra is the G.O.A.T!

Extra has been one of my best investments! Customer service is always amazing and the reward perks are outstanding! I highly recommend getting an Extra card!

4 April 2024
Unprompted review
Rated 4 out of 5 stars

So far so good

So far so good! I’m new to Extra but excited to start rebuilding my credit. Had a small issue seeing my bank but Ross helped me out and now everything is good to go! Im saying Bye Bye to my crappy credit score and hello to new beginnings

29 March 2024
Unprompted review
Rated 5 out of 5 stars

I'm so excited to be using EXTRA

I'm so excited to be using EXTRA. I'm working to cleanup the mess that covid did to my credit. I had a situation of trying to activate my virtual card. George, was polite, thorough, and resolved my issue. We went through several methods and communicated well. George got back to me in a timely manner and didn't just close the case if I didn't respond quick enough. If this is the Customer service I can expect moving forward then fantastic. Keep up the good work.

27 March 2024
Unprompted review
Rated 5 out of 5 stars

Adding my card to Google pay ...

I had an issue when I first got my extra account adding my card to my Google pay. I love you using NFC and not having to carry my purse or wallet to avoid anything getting lost or stolen. It's so much easier to just tap my phone or smartwatch and go. For some reason I could not add the extra card. Within moments of me contacting customer service I had a response back literally within 24 hours I had to do nothing at all they took care of everything. The extra customer service experts added my card and just sent me a notification via email that I was all set. I was impressed and blown away by the fact that they took care of everything. I definitely recommend extra to any and everybody and I also love the fact that the customer service is so hands-on. I have banked with several different online companies, and can honestly say I have never gotten a response and resolution as quick as I did this time. Thank you extra 💜

22 March 2024
Unprompted review
Rated 5 out of 5 stars

No other card

From groceries all the way to gas for my car, if I'm going to build credit and gain points for everyday purchases I'm going to use my Extra Card. At this point if I use another card, it just doesn't feel right.

21 March 2024
Unprompted review

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