Fenrir
Build my credit
I have been using extra more than a year. I like it, pretty easy to use. And I did build my credit which was my initial goal.

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.
Extra Card (extra.app) has 832 customer reviews on Five Star Index, with an average rating of 4.3 out of 5.
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Investments & Wealth · NEW YORK, New York
Excellent

Investments & Wealth · Seal Beach, California
Excellent

Investments & Wealth · New York, New York
Excellent

Investments & Wealth · Conyers, Georgia
Excellent
832 approved reviews, newest moderated first
Fenrir
I have been using extra more than a year. I like it, pretty easy to use. And I did build my credit which was my initial goal.
Rafael R.
Great experience I have high hopes and keep doing a great job
Joshua H.
The customer service team is top notch and very thorough and responsive you have any questions or concerns about anything. The rewards system is great. And on top of that, my credit has steadily improved steadily! Thank you Extra!
James Dennis P.
I have been loving this app and card. It is so easy to set up and use. Once you have it set up, all you need to do is make purchases with your Extra card. In the beginning you might start out with a low buying power though. Mine was $100. However, after I reached my first milestone of purchases and repayments, my power went of to $300. This makes it much easier to make a lot of small purchases or one big one. You spending power will increase again too. Can’t wait to see how much my credit score goes up with this program. Also note, I opted for the $200 year long membership for the extras it provides and I am happy with it so far.
Jack
It works your credit easily, and the customer service is A1 gang
Shilla
I ABSOLUTELY LOVE the Extra debit card!! Especially when you are able to rack up so many points from all of your purchases and buy products that you can also find at Amazon and in-person stores on the rewards section! I have been using Extra for a little over a year now and I have had great responses when needing help with an issue, I love the fact that the card pays itself every 2 days, so I’m not having to worry about making payments on time and you’re improving your credit every time the payments are made!! It’s the best credit card I’ve ever decided to get!!🥳🙌🏾🎉
Rae R.
Wonderful staff, always there to help and they listen!
Brandon G.
I’ve had the Extra card for a couple years now. This card has been amazing. It helps build my credit and get rewards for using my own money. The customer service is spectacular. I have always had a great experience with them. Is there a fee for the card? Yes. But is it worth it, I think so. All in all, I think it’s a great card and company.