Build Your Credit
with a Debit Card

Extra is the first debit card that builds credit and earns rewards points just like a credit card.
No credit checks. Connects with your bank.

Apply Now
Trusted by 50,000+ Customers

What Members Are Saying...

lynnsied, July 17, 2021


“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
jjordanallen, July 16, 2021

Extra makes sense!

“Highly recommend for those looking to build credit. I’ve been very happy with my Extra experience, great looking card, the points add up soo quick (basically free money) and your spend power increases quickly if you use it everyday. This is the first financial app or program I’ve seen that allows you to build credit using your existing checking account and your Extra card. What a great idea!”
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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


“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?

Every purchase
builds your credit

At the end of every month, purchases made with the Extra Debit Card are tallied up and reported to credit bureaus to help build your credit history.

Earns you reward
points everywhere

Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills. Spend your points on 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.
Apply Now

How Does It Work?


Sign up by connecting your bank account, and we give you a spending limit based on your bank balance with no credit check.


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


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
Interest Rate
Total Payments Made
Person 2
Credit Score
Interest Rate
Total Payments Made

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
  • 8/5 Customer Service
  • Builds Credit History
  • Earns Reward Points
  • Connects with any Bank
  • 24/7 Premium Support
  • Requires a Deposit
  • Up to 17% Interest Rates
  • Limited Credit Impact
  • Hard Credit Checks
  • No Deposit Required
No Interest Rates
  • Full Credit Impact
  • No Credit Checks
  • Mandatory Credit Check
  • Up to 17% Interest Rates
  • 30-day Payment Cycles
  • 8/5 Customer Service
  • No Credit Checks
  • No Interest Rates
  • Daily Payment Cycles
  • 24/7 Premium Support
Apply Now


Why Extra exists?

Today, there are over 100 million Americans who don't want or can't get a credit card.‍Yet there are very few credit building alternatives available other than secured cards. Our mission is to make credit building safer and more accessible to everyone, all with the familiarity and predictability of a debit card—no credit checks, no interest rates and no hidden fees.

How does Extra work?

Once you sign up and connect your existing bank account, we give you a spending limit based on your real-time balance.

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

At the end of each month, we add up all of your purchases and report them to the major credit bureaus (Equifax and Experian) as credit-worthy payments. And there you have it, debit that builds credit! 🪄

Isn't Extra just a Secured Card?

Nope, Extra is not a secured card. We do not require any deposits, have zero interest fees, and allow users to keep their existing bank account! Also, since you’re borrowing money from yourself with a secured card, it is way less impressive to the credit bureaus when compared to Extra!

How much does Extra Cost?

Most credit-building products make money from interest rates, hidden fees, and the selling of personal data (especially the "free" cards).

At Extra, we don't believe in any of that, which is why we charge a flat subscription fee starting at just $7/month—less than the price of Netflix. This way, our members can focus on building their credit with the money they actually have and never have to worry about steep interest rate or hidden fees ever again!

Which Credit Bureaus does Extra report to and how often?

We currently report to both Equifax and Experian at the end of each month!

Extra should start appearing on your credit report by the 15th of the following month. If it does not, please reach out to our Members Concierge in the Extra App.

How does Extra report my credit utilization?

Extra pays itself off daily, meaning your credit utilization will always be reset every 24hrs—imagine an auto-playing credit card without the interest. Because of this, you won't have to worry about staying below the recommended 30% threshold ever again!

Why should I trust Extra with my bank account?

We use Plaid to securely connect to your existing bank account (just like Venmo), and will never store any of your banking information, ever.

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!