Jordan W.
I think the concept of the card is… awesome
I think the concept of the card is fantastic and it’s been how I’ve been able to build my credit thus far however it still has a lot of technical bugs to work through and fix

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
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Investments & Wealth · Seal Beach, California
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Investments & Wealth · New York, New York
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Investments & Wealth · Conyers, Georgia
Excellent
Showing 39 reviews with 3 stars · Clear filters
Jordan W.
I think the concept of the card is fantastic and it’s been how I’ve been able to build my credit thus far however it still has a lot of technical bugs to work through and fix
Promise W.
I hate that the customer services care is not really good it takes long to get to customer but on the other side I like the card and the service
Farin C.
I haven’t been able to use it really yet. But the customer service is awesome. They are really quick at getting back with you in the chat.
Response from Extra CardDec 20, 2023
Hey Farin! If there is anything we can do to help move your Extra card more top of wallet, please dont hesitate to let us know! You can always reach out to [email protected] and our team will be happy to talk with you.
Shane P.
I have been using the service for almost a year now and I have yet to see an increase in my score because of it's influence. I use the card for almost all of my purchases. Perhaps I am doing something wrong. For the amount of money I have invested and the amount that has run through the card I expected different results.
Response from Extra CardMar 2, 2023
Hey Shane! You're definitely not doing anything wrong. As you know, a credit score is very relative to the individual's unique history and there just isn't a one size fits all approach to building overall credit. It can take time for the positive activity of a tradeline to reflect in your overall score. But the foundation is built on positive payment history, and that peice is an easy solve with daily payback structure of your Extra card. Have you checked out our new Credit report feature in the app? It gives you a really thorough breakdown of all the factors that could be driving your score and outlines important things to keep in check while using Extra!
JM
Does not have the inpact on my credit i thought it would, but the annual fee isnt that large so i will keep it around to have that open card reporting.
Response from Extra CardFeb 21, 2023
We appreciate your feedback—thank you!
Tomika C.
I've had a few problems with your services .. also found a company that charges less per month for the same exact service
Response from Extra CardFeb 21, 2023
We appreciate the feedback.
Miguel A R.
I can’t see my credit report, or how i building it i try experian but it dnt show no record, i just wish it’ll be easier to check my credit with Extra.
Response from Extra CardFeb 21, 2023
If you reach out to Member Concierge, we're happy to help you access your credit score! We recommend checking your score on a few different sites to cross-reference the data. Here are the links directly to Experian and Equifax for reference: https://www.experian.com/consumer-products/credit-score.html https://www.equifax.com/personal/credit-report-services/free-credit-reports/
Jana
I had a difficult time setting the card up with my bank and then it was denied.
Response from Extra CardFeb 18, 2023
We apologize for this experience! We work with Plaid to securely connect to your account, so we're limited to only working with banks Plaid is compatible with. We value your insight into the onboarding process, and appreciate your feedback.