Build your credit without a credit card

Members increased their credit score by an average of 48 points by regularly swiping with Extra and practicing good credit habits.3
START BUILDING CREDIT

What Members Are Saying...

mcjfmcjckg
,
March 26, 2024

Great Start

I've had my extra card for a few years now. Before it, I'd never had a credit card and it was a great thing to start with because it fostered healthy credit use habits. I now have two legit credit cards in addition and ! admittedly could be better with them lol. BUT, I do try to treat those like I do Extra; not spend what I won't have in a day or two to put back. They're support team is also stellar. Give it a try!
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Source: App Store
Gabriel Tavarez
,
March 21, 2024

No other card

From groceries all the way to gas for my car, if I'm going to build credit and gain points for everyday purchases I'm going to use my Extra Card. At this point if I use another card, it just doesn't feel right.
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Source: Trustpilot
SarahPeacockNox
,
March 17, 2024

Wanted to raise my credit store w/o credit card

Didn't trust myself with a credit card so I got Extra. They auto remove the balance and manage how much you can spend on it. I use it for as many purchases as I can. Highly recommend for my fellow irresponsible spenders lol
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Source: App Store
Monica Ramirez
,
March 3, 2024

I have been using Extra for a couple months now

I have been using Extra for a couple months now. At first I thought it was a false promise and it would probably raise my credit like 3 - 5 points but to my surprise I went from having a 615 credit score to now having a 700 credit score!!! This app is great I would recommend it if you want to raise your credit fast.
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Source: Google Play
Brian Held
,
February 29, 2024

If you're considering... Worth it

I'm so glad I found this a couple of years ago! This company has helped me better my credit by close to 100 points. Their support is fast and efficient, often resolving issues at first contact!
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Source: Trustpilot
tmmarro
,
February 25, 2024

Life Changer

I made some bad financial decisions and my credit plummeted. I was desperate for a solution and making monthly payments on my debt wasn't doing enough to help my credit score. I discovered Extra on Instagram and I began consistently using this card for a year. Along with making payments to my debt and using the Extra card for everyday purchases my credit score jumped 100+ points and was back to a safe level. I noticed every month my credit increased between 1-20 points from their data. I highly highly recommend this service.
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Source: App Store
Casey Paradis
,
February 18, 2024

Not only does this card help build…

Not only does this card help build credit, it’s accepted nearly everywhere. They are so responsive and helpful if you have any issue and resolve it right away. My favorite thing about this card is you earn points which you can use for gift cards. It’s a MasterCard so it’s accepted everywhere and isn’t like a credit card with interest but same earning potential.
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Source: Trustpilot
Logan250225
,
February 16, 2024

Review

Never wrote a review before but this card accepted me with nothing on my credit now I have a 709 and working on buying my first house. Definitely deserves 5 stars
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Source: App Store
Jessica_rabb_it
,
January 25, 2024

Love Extra

Honestly I love extra. I use it as my Reguar form of payment instead of my debit card so I can get credit for EVERYTHING I purchase. Even if it’s just a pack of gum! Customer service is also great! I don’t have to wait hrs to speak to a HUMAN ( not a robot) I’m honestly proud to be a customer of Extra.
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Source: Trustpilot
Charles Talton
,
January 24, 2024

This is a game changer of a service

This is a game changer of a service. The fact that I can use my own money to boost my credit score is amazing. If that wasn’t enough the customer service is top notch.
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Source: Trustpilot
JONG H. YI
,
January 18, 2024

Extra is best way to build credit

Extra is best way to build credit. It boosted my credit scores only using this card for 4 months. It provides free credit score on the app and its convenient to use. Highly recommended!!!
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Source: Trustpilot

Why Extra?

Start building credit with your daily purchases

Extra gives you a line of credit called 'Spend Power' to turn your daily purchases into credit worthy payments.
Spend Power

Spend Power is a line of credit provided by Lead Bank that is separate from your Extra Debit Card. We spot your purchases with your Spend Power and pay ourselves back the next day. Your Spend Power is separated from your debit card, all transactions made with your debit card and paid back are reported to the credit bureaus as credit worthy payments.

Earn rewards points everywhere1

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 cool products in our rewards store.

Connect 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
GET STARTED

How Does the Extra Card Work?

1

Sign up by connecting your bank account,2 and we give you an independent line of credit (Spend Power) based on your bank balance and other factors with no credit check.

2

When you make a purchase with Extra, we spot you for it using your available Spend Power and automatically pay ourselves back the next business day.

3

Your Spend Power is separated from your debit card, all transactions made with your debit card and paid back are reported to the credit bureaus as credit worthy payments.

Future you needs better credit

Good things come to those who are Extra
Members increased their credit score by an average of 48 points by regularly swiping with Extra and practicing good credit habits.3
Pull up. Swipe up.
Glow up.
Most Extra members are able to open 1-4 new credit cards in their first year of membership.3
Future you will be living the dream
Extra members were 2x more likely to open an auto loan and 3x more likely to open a mortgage than non-Extra members.3
Credit confidence, thanks to Extra Spend Power
Extra members who use the product as recommended were more likely to achieve and maintain good credit scores than consumers who demonstrated healthy credit behaviors alone.3
Learn more about how Extra can improve credit on our blog.3

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
  • Limited Rewards Programs
  • Only Allows One Bank
  • Frustrating Customer Support
VS
  • Builds your credit¹
  • Earns Reward Points
  • Connects to Your Bank Account2
  • Security Deposit Required
  • Up to 22% Interest4
  • Hard Credit Checks
  • Frustrating Customer Support
  • Limited Rewards Programs
VS
  • Builds your credit1
  • No Security Deposit
  • No Credit Checks
  • Earns Reward Points
  • Credit Check
  • Up to 22% Interest4
  • Monthly Billing
  • Frustrating Customer Support
VS
  • Builds your credit¹
  • Earns Reward Points
  • Daily Payments

Our Plans

Up to 38% Savings
👍
Credit Building
$20/mo
  • Debit + Spend Power Line of Credit
  • Extra Spend Tracking App
  • Best Looking Debit Card Ever
  • Earn Reward Points to use in Extra Rewards Store
VS
🤩
Rewards + Credit Building
$25/mo
  • Debit + Spend Power Line of Credit
  • Extra Spend Tracking App
  • Best Looking Debit Card Ever
  • Earn Reward Points to use in Extra Rewards Store
👍
Credit Building
$149$240/year
  • Debit + Spend Power Line of Credit
  • Extra Spend Tracking App
  • Best Looking Debit Card Ever
  • Earn Reward Points to use in Extra Rewards Store
VS
🤩
Rewards + Credit Building
$199$300/year
  • Debit + Spend Power Line of Credit
  • Extra Spend Tracking App
  • Best Looking Debit Card Ever
  • Earn Reward Points to use in Extra Rewards Store

FAQs

Why does Extra exist?

Millions of Americans either don't want or can’t get a credit card. It’s no mystery why—credit cards can encourage overspending and charge high interest rates, in addition to possibly being confusing or just inaccessible. But credit is something most people want at some point in life no matter what you are trying to achieve. A great credit score can change lives, especially for important long-term goals like securing a housing mortgage or getting the best possible repayment plan on your big purchases. Despite this, few alternatives for building credit exist. We set out to change that.

Enter Extra. The Extra Debit Card is the first debit card that actually builds credit and earns rewards points. Please see terms, credit may be offered by Lead Bank. We created Extra to combine the advantage of building credit with the ease and predictability of debit. Whether you’re working to rebuild your credit, or just starting on your credit journey, Extra strives to make it as easy as we can to build your credit.

How does a debit card actually build credit?
  • Many people often ask us, ‘how does a debit card actually build your credit?’, which is a great question, considering that it’s never been done before. Lets take a closer look at how Extra does it:
  • The first thing to understand is the relationship between your Extra debit card and your available Spend Power, which may be extended by Lead Bank, please see terms.
  1. When you connect your bank account to Extra, we give you a spending limit based on your bank balance and other factors, we call this your ‘Spend Power’.
  2. When you swipe your Extra Debit Card, we spot you for that purchase using your available Spend Power and automatically pay ourselves back the next business day.
  3. At the end of the month, we total up all of the transactions made with your Spend Power (via the debit card) and report them to credit bureaus as credit worthy payments.
  • Just to recap: Your Extra Debit Card is what gives you access to your Spend Power, and the payments made with your Spend Power is what gets reported to the bureaus and contributes towards building your credit.

Is Extra a Secured Card?

We understand your possible confusion. 🙂 The Extra Debit Card is not a secured card.

Traditionally, secured cards require an upfront deposit, which is often 1-2 times the credit limit. Secured cards have had a reputation of high interest rates and fees, and rarely provide rewards. Due to their structure, they usually have low limits. Did you know utilizing more than 30% of your available limit could actually hurt your credit score?

The Extra platform uses your existing bank account. Members are given Spend Power to pay for purchases made with their Extra Debit Card. Spend Power is based on their current bank balance and a couple of other factors. There are no upfront deposits, interest charges, or hidden fees. Sounds like a win-win to us! Please see your terms, Spend Power may be credit provided by Lead Bank.

What are Extra’s membership plans?

Extra offers two membership levels: Credit Building and Credit Building + Rewards. We don’t believe in interest or hidden fees; therefore, our membership rates are all-inclusive.

Regardless of which plan you choose, both allow you to build credit with your Extra Debit Card. You also gain access to the Extra App, where you can track your spending, and access content like podcasts, interviews, and more—just for members.

For those who’d like an added boost, our Credit Building + Rewards plan enables you to earn Reward Points with every swipe which can be redeemed in our Extra Rewards Store, where you can get your hands on your favorite brands and hard to find products.

Credit Building Plan

✅ Build credit with debit

✅ Extra spend tracking app

✅ Best looking debit card ever

✅ Access to the Extra Rewards Store

❌ Earn reward points for every purchase

Rewards + Credit Building Plan

✅ Build credit with debit

✅ Extra spend tracking app

✅ Best looking debit card ever

✅ Access to the Extra Rewards Store

✅ Earn reward points for every purchase

Which Credit Bureaus does Extra report to and how often?

Currently, we report to both Equifax® and Experian® at the beginning of each month.

Once you sign up, we should start appearing on your credit report by the 20th of the following month. For example; if you signed up on 11/1, our first credit report would be submitted in December and we should appear on your credit report by 12/20.

If you're not seeing Extra on your reports, give us a shout from your Extra App and someone from our Concierge Team will be happy to help.

Why should I trust Extra with my bank account?

Here at Extra, we nor our banking partners have access to your banking credentials when you connect your checking account to your Extra purchases. We use Plaid, a well-known industry provider, to connect to your bank account. Plaid uses encryption and internationally-recognized security standards to do their best to keep your information safe and secure.

What are 4 Important things to keep in check while using Extra?

Spoiler alert: Your credit score is heavily impacted by what you’ve done before signing up for Extra and what you are doing outside of Extra with your other lines of credit. 

Think of Extra like a vitamin, it can have amazing positive effects, but only if you keep up a healthy routine overall while using it. 

Everyone’s credit profile is different and these are the top 4 things that we recommend taking care of and keeping in check while using Extra. 

1. Debt currently in collections

  • No surprise, having debt that is currently in collections tends to be a huge weight on your credit score. Check your credit report to see who the collections agency is and, if you can, set up a payment plan to take care of this ASAP or, if you don’t recognize the debt, take steps to dispute it. It will be hard for your credit to grow until you resolve any collections activities. 

2. Average age of all credit lines; longer is better

  • Lenders like to see as much positive payment history for as long as possible. For your credit lines that are in good standing, try to keep them open, even if you’re not using them. For your credit lines that aren't in good standing, pay them off and also keep them open, length of credit history matters!

3. Utilization of all credit lines

  • Try to avoid spending more than 30% of your available credit on any given credit line.  This is one of the things that can make your credit score fluctuate month to month even if you’re doing everything else perfectly. If you have to spend more than 30%, pay it off before your payment due date if you can, this should reset your utilization before the billing period is over.

4. Missed payments in the last 6 months

  • Last but not least, If you had a missed payment on your credit report before signing up for Extra, it’s going to take some time to recover from it, but maintaining positive payment history with all of your other payments, including your Extra Card, can help. If you can, try to set up auto pay with all of your credit lines when possible.

Additional questions? Check here

How much can Extra improve my score and help me get other lines of credit?

In a recent study comparing more than 10,000 consumers, Extra cardholders experienced, on average, a 20-point increase in their credit scores during the study period compared to only a 1-point increase in credit scores among non-Extra users.

The most successful Extra members that used the product as recommended saw a 48-point increase on average, and those who started Extra with a credit score of less than 500 experienced an impressive 99-point credit score increase!

Successful cardholders, who use the product as recommended, are defined by having: no missed payments in the last 6 months of membership on any credit line; no maxed out credit lines in the last 3 months of membership; and starting their membership with a credit score of 650 or less.

Bolstered by increased credit scores, Extra cardholders were 2-3 times more likely to open new trade lines for mortgages, auto loans and/or credit cards over the course of a year.

Additional questions? Check here

How do I cancel?

You can cancel your membership anytime by contacting our Member Concierge team through the app or by emailing us at [email protected].

Got more questions?

We’re more than happy to answer them all. Check out the rest of our FAQ page, or email us at [email protected]. A real person from our Concierge Team will do their best to get you the answers you’re looking for.

APPLY NOW