What Members Are Saying...

lynnsied, July 17, 2021

Amazing!

“My credit was really low and Even by paying off some of the debt my credit score wasn’t budging. I couldn’t get a credit card and I don’t have the money to put down right away for a secured card. I came across extra and I was a little iffy about it but $12 a month to fix your credit and build a better future ? You can’t beat it. My first month using it my score went up 107 points!!!! And that’s only by using it in place of my bank card a few times my first month. They report to equifax & Experian and both of those WERE really low. I’m super excited to keep seeing it go up!”
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Source: Apple App Store
Donald04-12, July 16, 2021

A Very Easy Way to Build Credit.

“I’ve been using Extra for a month now.... I truly love it. It’s true the purchases made on your Extra card do reflect on your credit history. After using Extra my credit increased 30 point. I definitely recommend it especially for those that are rebuilding credit or have a little to no credit history.”
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Source: Apple App Store
Amethyst King, July 16, 2021

Great

“This is amazing. Definitely worth it. Credit went up 70 points this past month. I referred a friend today who is ready to build her credit. I highly recommend people who trying to build credit to get this.”
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Source: Apple App Store
Panther Predator, July 16, 2021

Definitely helped my credit

“I was skeptical at first and I did a lot of research and read a lot of reviews. Obviously you can’t make everyone happy. But I have had it for about 5 weeks. My spending power went up very quickly. I used it on smaller purchases like mobile game transactions and then increased to bigger transactions as my spending power increased. Today I got an email from my credit telling me I got a 22 point increase today from the extra card being added to my account. In just one month it’s went up 22 point. If you use your normal bank debit card often I would definitely recommend getting an Extra debit card so it can report to your credit . Also it takes a few weeks to get your physical card but they give you the virtual card with in 2 days . I definitely recommend giving it a try , especially if your already using a normal debit bank card that does not report to the credit bureau’s.”
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Source: Apple App Store
doggieguy64, June 28, 2021

Credit Increase!

“I’m a young student, and I was researching ways to increase my credit, when I found Extra. I signed up, used it as a debit card, and BAM! A 24 point increase from 620 to 644! If you are just getting started in your credit journey, Extra is the way to go! I will continue to use Extra as a line of credit, and also make use of their point system where you can get rewards after enough purchases. Hopefully, I will keep seeing increases, so when the time comes when I have to borrow money, I will have the best rate possible! Thank you Extra!”
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Source: Apple App Store

Why Extra?

Start Building Credit With Debit

Extra is not a credit card - Extra is debit that builds credit. At the end of every month Extra totals up all of your purchases and payments and reports them to credit bureaus to build your credit.¹

Earns Reward
Points Everywhere

Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills when you upgrade your subscription to include rewards points. Spend your points on everything from Apple AirPods® to gift cards in our rewards store.

Connects With
Your Bank Account

Extra is compatible with over 10,000+ banks across the United States—keep your money where you want, while spending smarter with Extra.2
Apply Now

How Does It Work?

1

Sign up by connecting your bank account,2 and we give you a spending limit (Spend Power) based on your bank balance and other factors with no credit check. The more purchases you make with Extra, the more chances you have to increase your Spend Power.

2

When you swipe your Extra Card, we spot you for that purchase and automatically pay ourselves back the next business day.

3

At the end of the month, we total up all of your transactions and report them to credit bureaus as credit worthy payments.

The Cost of Having Bad Credit

Toyota Corolla / 72 months / $25,000
Is paying $6,000+ more for the same car
Person 1
Credit Score
600
Interest Rate
11.33%
Total Payments Made
$34,566
Person 2
Credit Score
725
Interest Rate
4.21%
Total Payments Made
$28,333

Person 2 ends up saving $6,000+ thanks to a better credit score!

What’s the Difference?

  • No Credit Building
  • No Rewards Points
  • Only Allows One Bank
  • Frustrating Customer Support
VS
Extra Debit Card
  • Debit that builds credit¹
  • Earns Reward Points
  • Connects to Your Bank Account2
  • 24/7 White Glove Concierge Support
  • Security Deposit Required
  • Up to 17% Interest
  • Hard Credit Checks
  • Frustrating Customer Support
VS
  • Debit that build credit1
  • No Security Deposit
  • No Credit Checks
  • 24/7 White Glove Concierge Support
  • Mandatory Credit Check
  • Up to 17% Interest
  • Monthly Billing
  • Frustrating Customer Support
VS
Extra Debit Card
  • Debit that builds credit¹
  • Earns Reward Points
  • Daily Payments
  • 24/7 White Glove Concierge Support

Our Plans

25% OFF
Credit Building
$8/month
  • Debit that builds credit
  • White-glove Concierge Support 24/7
  • Extra Spend Tracking App
  • Best Looking Debit Credit Ever
  • Earn Reward Points for Every Purchase
  • Exclusive Access to the Extra Rewards Store
VS
Rewards + Credit Building
$12/month
  • Debit that builds credit
  • White-glove Concierge Support 24/7
  • Extra Spend Tracking App
  • Best Looking Debit Credit Ever
  • Earn Reward Points for Every Purchase
  • Exclusive Access to the Extra Rewards Store
Credit Building
$84/year
  • Build Credit With Debit
  • White-glove Concierge Support 24/7
  • Extra Spend Tracking App
  • Best Looking Debit Credit Ever
  • Earn Reward Points for Every Purchase
  • Exclusive Access to the Extra Rewards Store
VS
Rewards + Credit Building
$108/year
  • Builds Credit With Debit
  • White-glove Concierge Support 24/7
  • Extra Spend Tracking App
  • Best Looking Debit Credit Ever
  • Earn Reward Points for Every Purchase
  • Exclusive Access to the Extra Rewards Store

FAQs

Why does Extra exist?

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, and no hidden fees.

How does Extra work?

First, you connect your bank account with Extra.2

After that, we give you a spending limit (Spend Power) based on your bank balance and other factors with no credit check. Generally, the more purchases you make with Extra the more your Spend Power will increase.

Every time you swipe your Extra card, we spot you for the purchase and automatically pay ourselves back the next business day.

At the end of each month, we add up all of your purchases and report them to the major credit bureaus (like Equifax and Experian) to help build your credit!1

And there you have it, debit that builds credit. ✨

How does Spend Power work?

Spend Power is the amount that you can spend on your Extra Card at any given time. It’s based on your current balance and how long you’ve been a member. It starts out small for new members. But, generally, the more purchases you make with Extra, the more your Spend Power will increase.

Is Extra a Secured Card?

A secured card requires an upfront deposit, usually 1-2 times the credit limit. They come with high interest rates, fees, and rarely provide rewards. Due to their structure, they usually have low limits and, when you utilize more than 30% of your available limit, this can actually hurt your credit score. Finally, they have limited impact to your credit score because credit bureaus know you’re lending the money to yourself.

The Extra Debit Card is the opposite.

We allow members to use their bankaccount so they can build their credit and earn reward points with the money that they already have. There are no security deposits, interest, or hidden fees. Win, win, win!

How much does Extra Cost?

Most credit-building products make money from steep interest rates, hidden fees, and by selling your personal data.

At Extra, we don't think that's right. That's why we charge a flat monthly subscription instead, with our plans ranging from $8/month to $12/month! And when you upgrade to our rewards + credit building plan, you earn redeemable points with every purchase that can be used in our amazing rewards store.

This way you can focus on building credit and working towards long-term goals with the money you actually have, without worrying about things like data mining, steep interest rates, or hidden fees.

Which Credit Bureaus does Extra report to and how often?

Currently, we report to both Equifax® and Experian® at the end of each month!1

Once you sign up, Extra should start appearing on your credit report by the 15th of the following month.

If you're not seeing us, simply reach out via the Extra App and someone from our amazing Members Concierge will be happy to help!

Why should I trust Extra with my bank account?

We use Plaid to securely connect to your bank account. Plaid uses encryption and internationally recognized security standards to protect your information.

Got more questions?

We're more than happy to answer them all! Please visit FAQ page or email, [email protected] and someone from our wonderful concierge team will help take care of you!