Build credit history.
Earn points everywhere.
Keep your bank.

An all-new debit card experience,

Applying for Extra will not affect your credit score.

See what Extra can do

Introducing: A safer way to build your credit.

Build your credit with a debit card

At the end of every month, purchases made with Extra are tallied up and reported to credit bureaus to help build your credit - all with the money that you actually have.

Making your credit score easy to understand

We get it, credit is confusing. That's why we've built an intuitive experience to help you understand your credit score, what contributes to it, and how you can improve it.

What can better credit get you?




The Best Rewards in Debit. Period.

Earn Points Everywhere

Instantly earn points for every purchase you make. Get points for rideshare, coffee, or even paying your phone bill. Literally get Extra for everything.

Rewards you actually want

Find your new favorite thing, get cash back and even donate to trending charitable causes in our expertly curated, members-only rewards store.

How much Extra could you be earning?

Slide the spending calculator to find out.

Your average monthly spend

$500 $5,000







Keep. Your. Bank.

Connect your bank account in seconds

Extra is compatible with most banks across the United States, so you can keep your money where you want, while you spend smarter with Extra.

Everything in one place.

The Extra App is also smart enough to display transactions from your connected bank account. You'll never want to look at your boring old banking app again.

Find out if your bank is compatible with Extra

Extra Membership Plans

25% off

Extra Credit Building

Build credit with debit

Extra Credit Building

$200 $149/year

  • Build your credit history automatically with your Extra Debit purchases
  • Gain full understanding of your credit score with the intuitive Extra Credit Monitoring tool
  • Prevent overdafts and add an extra layer of financial security to your bank account with Spend Power



Billed as one annual payment of $149

  • Build your credit
  • 24/7 customer support
  • Earn points for every transaction
  • Exclusive access to Extra Rewards