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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 Services

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

If you're considering... Worth it

I'm so glad I found this a couple of years ago! This company has helped me better my credit by close to 100 points. Their support is fast and efficient, often resolving issues at first contact!

29 February 2024
Unprompted review
Rated 1 out of 5 stars

They take way to long to draft the…

They take way to long to draft the money out of your account and will leave you in the negative. Be careful. Definitely not worth the $25 monthly membership fee. And they will not refund your monthly membership fee if you don't cancel before 30 days. It's in the terms and conditions of the fine print. I learned the hard way.

26 February 2024
Unprompted review
Rated 5 out of 5 stars

I just joined with extra a few weeks ago and...

I just joined with extra a few weeks ago so I have not seen any changes on my credit report yet but I am looking forward to it! As far as everything else, they get 5 stars from me. The customer service is so awesome! They are very responsive and seem to genuinely care about helping with any questions I have. The debit card came in the mail quick and I can use it pretty much everywhere! The point system is a really cool feature as well! So far I've have a top tier experience!

22 February 2024
Unprompted review
Rated 5 out of 5 stars

The extra team takes extra care!

The extra team takes extra care, yes, pun intended in making sure that all questions are answered and fulfilled to the highest level! I have no problem reaching out and getting a response within a reasonable time! I look forward to working with this team on a more consistent basis!

19 February 2024
Unprompted review
Rated 4 out of 5 stars

Great experience thus far

Great experience thus far. Definitely helped to improve my credit score so that I could purchase my condo! I will continue to utilize its credit building functionality and I have recommended it to my younger cousins or anyone else in need of building their credit.

19 February 2024
Unprompted review
Rated 5 out of 5 stars

Credit debit

Having extra has made my credit score, go up and has helped me learn how to budget my money and is a good way to use debit plus have your credit score rise

19 February 2024
Unprompted review
Rated 5 out of 5 stars

Not only does this card help build…

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 earn points which you can use for gift cards. It’s a MasterCard so it’s accepted everywhere and isn’t like a credit card with interest but same earning potential.

18 February 2024
Unprompted review
Rated 4 out of 5 stars

They are understanding and patient

They are understanding and patient. Also try to keep things under control. Really quick to help, but the results take a bit of time to show, besides that really good help.

12 February 2024
Unprompted review
Rated 5 out of 5 stars

I just joined this month so far…

I just joined this month so far everything’s going great had an issue in the beginning understanding how the card works was updated by a member very well of the process. I look forward to building my credit with Extra!

12 February 2024
Unprompted review
Rated 5 out of 5 stars

A Great tool to improve your credit!!!

A Great tool to improve your credit!!!

Easy to use, also provides an extra layer of protection for your bank account...

Staff is always polite & friendly!!!

I highly recommend that you give Extra a try!!!😁💪🏽👍🏼

14 February 2024
Unprompted review
Rated 5 out of 5 stars

You Can’t See Me

@Extra Is Above & Beyond The Competition. They Are In A League Of Their Own. Setting The Bar Higher Than Any Of The Competition Can Reach!!

11 February 2024
Unprompted review
Rated 5 out of 5 stars

Extra card Wuv

Helped increase my credit score without relying on a credit card. Great fraud detection system. Love how fun the reward store is!

7 February 2024
Unprompted review

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