Extra CardReviews of extra.app

Using the card gas improved my score back to where it originally was

I love how quickly it helped to build my credit. My score has gone up by almost 200 points since signing up for the card.

beautiful work

reporting to the credit agencies takes too long and at some point noticed the reporting was not there. Also would be great to see it on the 3 major reporting agencies.

Extra isn't shown in other credit burrows

In terms of customer service, Extra was 5☆. Everyone I ever spoke to was phenomenal. Kind, understanding, never trying to push a sale; They all really made you feel like they were there for you. But in terms of the card's cost-to-reward ratio, Extra was 0☆. I was a member for 12 months, paying $12 a month ($144 total), and the only things I ever saw from it were a 12-point boost in ONE of my credit scores (711 Equifax vs 699 TransUnion), and redeeming all my rewards points got me a microphone from Amazon, which they claimed was $60 but was actually $43. I used my Extra card near-daily for a year, and every payment went through without a problem. I got this card because of the advertised promise of fixing my credit, but it did virtually nothing for me. I had more success using Credit Karma to find credit cards I had high odds of approval for, and boosting my total number of credit lines and total credit limit, instead of relying on Extra to "report to the credit bureaus..."

A great card to build credit as new individual to the USA.

So far my experience with Extra has been exceptional. The application process was easy and quick, the app is intuitive, and best of all I'm building credit for the first time without any sketchy credit card fees or complicated rules. The customer service team is always available and very knowledgeable, and I use my Extra card for almost everything. It's also really nice to have a card that's connected to my bank account but has a delay - gives me peace of mind knowing that I can check my balance and my purchases once or twice a day and if I see anything suspicious I can immediately turn the card off before the charge goes through. Highly recommend Extra for those who are looking to build credit for the first time!