Extra: Build Credit with Debit

3.9
2.05K reviews
100K+
Downloads
Content rating
Everyone
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About this app

GET THE EXTRA DEBIT CARD TO START BUILDING YOUR CREDIT REPORT—The first debit card that builds credit.

Credit builders, your best life starts with better credit. Swipe the Extra Debit Card daily to help track your purchases, build credit*, earn reward points* on every purchase, and begin building your credit report history.

LEARN MORE
▪ No credit check required
▪ Earn up to 1% back in rewards points*
▪ No interest rates and hidden fees
▪ Made for credit builders
▪ Start building your credit report history
▪ Check out our plans and apply online

HOW IT WORKS
▪ Sign up by connecting your bank account* and get a spending limit based on your bank balance* with no credit check
▪ When you swipe your Extra Debit 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 to build your credit report history

▪ Credit builder Extra members increased their credit score by an average of 48 pts by regularly swiping and practicing good credit habits.*

DOWNLOAD THE NEW APP

You'll unlock:
▪ Exclusive content to help you make sense of credit
▪ Access to the Rewards Store
▪ Giveaways for MacBooks, PS5s, gas cards, and more.
▪ Easy credit builder card management

REDEEM POINTS IN THE REWARDS STORE*

Spend reward points on…
▪ Must-have tech
▪ home goods
▪ Books you won't put down
▪ …and more

A CREDIT BUILDER CARD CAN HELP YOU

▪ Qualify for an apartment
▪ Buy a home
▪ Get a better interest rate on a car

FAQS

Is the Extra Debit Card a Secured Card?
▪ No, the Extra Debit Card is not a Secured Card. Members connect their bank account* so they can build credit* with debit and earn reward points* with the money that they already have.

Why should I trust Extra with my bank account?
▪ We use Plaid to securely connect to your bank account. Plaid uses encryption and internationally recognized security standards to protect your information.

*Pricing and rewards availability will vary depending on plan and term selected. *Impact on your credit score may vary depending on your use. Extra is required to report both on time and late payments, which may negatively impact your credit score. *In order to transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra's services. Extra sets each Cardholder's Spend Power based on a proprietary data-driven risk model, using objective signals to assist in the identification of those Cardholders who intend and are able to pay for their transactions.

*The Aligned Company d/b/a Extra is a technology company, not a bank. Banking services provided by Evolve Bank & Trust or Patriot Bank, N.A. (Member FDIC), pursuant to a license from Mastercard International. This Card can be used everywhere Debit Mastercard is accepted.

Advertised credit claims are typical results for customers who use Extra as recommended and are based on a study using data from Experian. To learn more, visit extra.app/study.

*Based on a survey performed by Extra, using data from Experian, studying changes in credit scores for Extra members between March 2021 to April 2022. We compared credit score changes in active Extra members who had a credit score of 650 or lower when they began using Extra, who had no delinquent payments with Extra, and who had no other trade lines at or above 100 percent balance ratio in the past 3 months and compared these members to a control group. Over the 12 month period of the survey, these members increased their credit score by 47.8 points on average; the maximum credit score increase was 203 points. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors, including your history with other financial services organizations.
Updated on
Mar 25, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 3 others
This app may collect these data types
Location, Personal info and 2 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.9
1.96K reviews
J C
January 28, 2024
Im really considering cancelling! I had a year membership with the bells and whistles (where they charge you extra to get rewards) $199 yearly. The rewards aren't great and I don't need them so after my year, I thought they ill change it. THEY DONT TELL YOU YOU CANT SWITCH! Now because I'm in the "highest tier" I can't do something different that fits me better. If I cancel they will report it to my credit where IT WILL NEGATIVELY EFFECT MY ACCOUNT. you'd be better with a secured CC
14 people found this review helpful
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The Aligned Company
February 2, 2024
Hi J C, we sincerely apologize for any inconvenience that you have experienced. We're working toward offering plan changes very soon! Please reach out to us at feedback@extra.app and we can take your information down. Once this feature is available, we will reach out to you directly.
Novel Pen Name Author Lam
November 10, 2023
Although the bank disconnected, and only one bank can be linked, but it protects the original debit card's information. Also, my credit improved without the interest. It doesn't over charge me when I'm short. Instead, it just temporarily freezes the account until the bill is paid. Most importantly, the customer service employees were each very kind, transparent with information, and offered viable solutions. That kind of service should be reason enough. No app is perfect, but that improves.
16 people found this review helpful
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Antonia Pabon
February 6, 2023
Overall i like the concept of the app a d it does what it says it's gonna do. My credit score jump over 70 points and I saw a difference in a few months. Bonus is using points for towards free goodies, such as my Rubbermaid brilliance set. The customer service is great, Quick to respond. The only downside is the update between the bank balance to what determines your spend power. If they can add a manual refresh button to update it our selves, when needed, would be great. Improve process speed!!
61 people found this review helpful
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The Aligned Company
February 7, 2023
We appreciate your feedback! Fortunately, we have an in-app manual refresh feature coming very soon. This will allow you to update your Plaid balance whenever needed, eliminating the need to reach out to Member Concierge. We’ll make an announcement once it’s live!

What's new

This update contains a fix for an issue where the app would fail to load the Set PIN modal in some circumstances.