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 your daily purchases

Extra is not a credit card - Extra is the first debit card that builds your 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

Earn rewards 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 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
Apply Now

How Does The Extra Card 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
  • Builds your 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
  • No Rewards Points
VS
  • Builds your credit1
  • No Security Deposit
  • No Credit Checks
  • 24/7 White Glove Concierge Support
  • Earns Reward Points
  • Mandatory Credit Check
  • Up to 17% Interest
  • Monthly Billing
  • Frustrating Customer Support
VS
Extra Debit Card
  • Builds your credit¹
  • Earns Reward Points
  • Daily Payments
  • 24/7 White Glove Concierge Support

Our Annual Plans

Now 25% Off
👍
Credit Building
$149$200/year
  • Builds your 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
$199$265/year
  • Builds your 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

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. 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 Extra work?

First, you connect your bank* account with Extra.

We then give you a spending limit (we call it Spend Power) based on various factors within your application—with no credit checks whatsoever. One of the main contributors to increasing Spend Power is continuing to build positive payment history with Extra.

Every time you swipe your Extra Debit Card, we spot you for the purchase and automatically pay ourselves back the next business day (processing can take a couple days).

At the end of each month, we send payment information to the credit bureaus (like Equifax and Experian) that can help build your credit, as long as you keep paying us back for the purchases we’ve spotted for you.

There you have it, the very first debit card that builds your credit. ✨ And yes, it really works: Extra members raised their credit score by 48 points on average by regularly swiping and practicing good credit habits such as not defaulting on any other credit line and not utilizing too much of their total available credit. Check out www.extra.app/blog for more information on practicing good credit habits.

*Account must be a Plaid compatible personal checking account

How does Spend Power work?

Spend Power is the amount that you can spend with your Extra Debit Card. It’s based on your current bank balance and account activity. Spend Power limits are lower for new members and increase as you build positive payment history and rapport with Extra.

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 Debit Card uses your existing bank account. Members are given Spend Power to pay for purchases made with their Extra Debit Card, which 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!

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 and include 24/7 white-glove Concierge support. 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

✅White-glove Concierge support 24/7

✅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

✅White-glove Concierge support 24/7

✅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 15th 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 12/15.

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 don’t have access to your banking credentials when you connect your checking account to your Extra Debit Card. 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.

Got more questions?

We’re more than happy to answer them all. Check out the rest of our FAQ page, email us at [email protected], or click the bell icon to start a chat. A real person from our 24/7 Concierge Team will do their best to get you the answers you’re looking for.