Build credit with debit.

Build credit

with debit.

Build your credit history and earn reward points without a credit check.

Apply Now

*Extra does not check your credit score

extra credit card extra credit card

What Our Members Say

Emily P

“Extra has been a game changer for me. My credit was so bad that it was in the lower 400s in September of 2020. It’s February 2021 and my credit score has  risen to nearly 600!

Abhay A.

My score is up almost 100 points  since I first started using Extra. I recommend it to my friends, especially those that are just getting started with their credit journey.”

Leo M.

“I have had Extra for 4 months now and my individual reporting has  bumped over 25 points,  helping my score go above 750.”

Emily P

“Extra has been a game changer for me. My credit was so bad that it was in the lower 400s in September of 2020. It’s February 2021 and my credit score has  risen to nearly 600!

Why Extra?

Every purchase builds your credit history.

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.

Every purchase builds your credit history.

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 points everywhere you swipe.

Earn up to 1% in points for everyday purchases like rideshares, coffees and even your phone bills. Spend your points on everything from AirPods to gift cards in our rewards store.

Earns points everywhere you swipe.

Earn up to 1% in points for everyday purchases like rideshares, coffees and even your phone bills. Spend your points on everything from AirPods to gift cards in our rewards store.

Connects to your existing 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.

Connects to your existing 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.

How Extra Works

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1

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

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2

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

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3

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At the end of the month, we total up all of your purchases and report them to credit bureaus as credit worthy payments.

What Better Credit

Can Get You

What Better

Credit Can

Get You

01

EASIER APPROVAL ON AN APARTMENT

02

LOWER CAR PAYMENTS

03

A BETTER MORTGAGE ON YOUR DREAM HOME

Our card vs. theirs

extra card
  • ✅ Builds Credit
  • ✅ Earns Points Everywhere
  • ✅ Connects To Your Bank Account
line1 vs line2

Your Debit Card

your card
  • ❌ NO Credit Building
  • ❌ NO Rewards
  • ❌ Makes you deal with your bank
Extra logo
  • ✅ Builds Credit
  • ✅ Earns Points Everywhere
  • ✅ Connects To Your Bank Account
h-line vs h-line
your card

Your Debit Card

  • ❌ NO Credit Building
  • ❌ NO Rewards
  • ❌ Makes you deal with your bank

FAQ

Why does Extra exist?

Today, there are over 100 million Americans who dont want, or cant get a credit card. Yet there are very few alternatives for establishing your credit other than with a risky Credit Card. Our mission is to make credit building safer and more accessible for everyone. Extra, the first debit card that builds your credit history and earns rewards points just like a credit card.

Why is having good credit actually important?

Getting a lot of the nice things in life depend heavily on your credit score. Lenders use your credit score to help determine whether to approve you for a line of credit as well as what interest rate and terms they can offer you. Having a higher credit score means that you’ll generally pay lower interest rates on things like a car lease or a mortgage for a house—planning for your financial future starts with building your credit score.

How much does Extra Cost?

Most credit products make money from predatory interest rates and hidden fees. (even the "free" ones). We believe in upfront and transparent pricing which is why Extra only charges a flat monthly subscription rate starting at just $7. This way we can give our members peace of mind by building their credit with the money they have and never having to worry about steep interest fees.

What makes Extra different than other debit cards?

Most debit cards don’t offer rewards everywhere you swipe and have no ability to build or establish credit. Extra is the first debit card that lets you earn both in real-time. We give you the best parts of a credit card while spending the money that you actually have. Big banks don't do this with their debit cards because they want to up-sell you into a credit card, which makes them more money.

Join over 8,000 members building their credit history with Extra today.

Apply Now

*Extra does not check your credit score