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 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 (Spend Power) based on your bank balance with no credit check. Generally, the more purchases you make with Extra, the more your Spend Power will increase.


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
  • Limited Credit Impact
  • Requires a Deposit
  • Up to 17% Interest
  • Hard Credit Checks
  • Full Credit Impact
  • No Deposit Required
  • 0% Interest
  • No Credit Checks
  • Mandatory Credit Check
  • Up to 17% Interest
  • 30-day Payment Cycles
  • 8/5 Customer Service
  • No Credit Checks
  • 0% Interest
  • Daily Payment Cycles
  • 24/7 Premium Support
Apply Now


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 rates, and no hidden fees.

How does Extra work?

First, you connect your bank account with Extra.

After that, we give you a spending limit (Spend Power) based on your bank balance 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) as credit-worthy payments!

And there you have it, a debit card 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 keep their existing bank account so they can safely build their credit and earn reward points with the money that they already have. There are no 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—especially the "free" cards.

At Extra, we don't think that's right. That's why we charge a flat monthly subscription instead, with our lowest plan starting at $7/month! And because you earn redeemable points with every purchase that can be used in our amazing rewards store, the card literally pays for itself.

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!

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!

How does Extra report my credit utilization?

Extra automatically pays itself off daily, so your credit utilization resets every 24hrs—picture a credit card that pays itself off without any of the interest. Pretty cool, huh?

Thanks to this unique feature, you never have to worry about staying below the recommended 30% threshold to maintain a good credit score.

Why should I trust Extra with my bank account?

Extra never stores any of your banking information, ever. We use Plaid to securely connect to your existing bank account (just like Venmo), so your banking information stays your business. Just like it should.

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!.