Nevin J.
Awesome service
It’s actually helped build my credit quite a bit
Response from Extra CardJan 18, 2023
We're so happy to hear it. Thank you for your review!

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
Nevin J.
It’s actually helped build my credit quite a bit
Response from Extra CardJan 18, 2023
We're so happy to hear it. Thank you for your review!
Montarious K.
unauthorized charged needed refunding, took longer than expected.
Response from Extra CardJan 16, 2023
We do apologize if there was any inconvenience caused here. It can take anywhere from 3-7 business days for a credit to process to your account, depending upon your banking institution. If you feel that anything was mishandled during the process of filing your dispute, please reach out to [email protected] and someone from our support team will be happy to review and assist.
Georgia S.
EXTRA has helped me to get my credit rating up, but I did not realize that it changes from one month to the other. I can’t get the information from EQUIFAX, etc. without taking their paid service. Please advise?
Response from Extra CardJan 16, 2023
Hey Georgia! I will have someone from our credit team reach out to you to confirm exactly what you're looking for to see if it's something we can obtain on our end. And thank you for the 5 stars! We're so happy to hear that Extra has been helpful in your credit journey.
Alex P.
Very easy to use, with a nice slick black card to use. My experience had been simple, i use my Extra card to buy everything in my everyday routine. The card loans u money for the day and you pay it back 100% at the end of night. Your points stack up and get sent to the Credit Bureau at the end of the month. Easy and simple. I started at 600 credit and within 3 months i was hitting 700 credit score and now 5 months later im reaching 760. I make simple everyday purchases 5$ here 10$ there, sometimes gas 50$. Sometimes ill use it for larger purchases that can be 200$ or more. As long as you have the funds in your bank account to back up the loan at the end of the night and the spending power on the card you can improve your credit indefinitely.
Response from Extra CardJan 12, 2023
Wow, 80 points in just 3 months! That’s like climbing Mount Everest with a jetpack and a black card in hand! We’re thrilled to hear our card has been helping you achieve your credit goals. Keep on reaching new heights! And don’t forget to show off your sleek black card to all your friends, it’s sure to turn some heads. Thanks for choosing Extra!
David B.
Not sure what to right, other than it is a no brainer. This is an effortless, cost effective way to build credit with no risk...
Response from Extra CardJan 12, 2023
You're a man of very few, very true words, David! Thanks for taking the time to leave us a review.
Sergio C.
The money I been spending hasn't be reported to the credit bureaus If you offered to report all the expenses I made using your card and I see no reports in the bureaus, then is no reason to keep this account open. I don't need to discuss farther on this matter, because that is what you initially offered
Response from Extra CardJan 12, 2023
Hey Sergio! I peeped your account and it looks like you're coming up on a year of being a member with us! First of all, that's awesome! You should definitely be seeing Extra on your Experian and Equifax reports. If you shoot us an email through [email protected], our credit specialist can look at this with you and confirm exactly what we've reported for you since you joined.
Bonnie H.
The credit tracking is almost worth keeping my account but it bothers me that the point rewards are lacking. Gift cards need to to be offered as items available to be redeemed with reward points. The fact that that option is missing has me looking for another option. I may close my account because your reward catalog is useless to me.
Response from Extra CardJan 12, 2023
Thank you for bringing us your feedback! We are always seeking input on what the biggest value adds are for our members. Our team is hoping to reintroduce gift cards in our reward store in the coming months. Please stay tuned for updates on this!
Tristessa O.
I'm enjoying the rewards!
Response from Extra CardJan 12, 2023
And we get great joy out of you enjoying them!!