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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
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
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.
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
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
United States
- extra.app
Hasn’t replied to negative reviews
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Excellent customer service
Excellent customer service! Always on top of things!
Absolutely professional
Best decision I’ve ever made
Best decision I’ve ever made. U can never go wrong with building your credit if u want that then this is the card to get.
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.
Had a small issue and they solved it…
Had a small issue and they solved it immediately. Very impressed
So far my experience with Extra has…
So far my experience with Extra has been great no problems. And from what I can see I just hope everything plays out well. Has good customer service once you get ahold of someone.
Great company quick smooth and…
Great company quick smooth and efficient service!
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.
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.
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!
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!
This is a game changer of a service
This is a game changer of a service. The fact that I can use my own money to boost my credit score is amazing. If that wasn’t enough the customer service is top notch.
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.
Little cost for a lot of power
Sign up was so simple. Logged into Chime Bank and instantly had a pretty good spending power that was accessible immediately. Well worth the cost.
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.
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!!!
Great credit builder
Customer service was very helpful with everything that i needed, I look forward to seeing just how well this app works getting back on track with business .
Love the convenience of the card
Love the convenience of the card. Love the stuff I can get with the points. Any CSR that I’ve dealt with has been knowledgeable and always follows up.
Super fast and helpful support when I…
Super fast and helpful support when I encountered problems with renewing my membership. Very easy way to build credit
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!
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.








