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DEBIT THAT BUILDS CREDIT.

Extra is the first debit card that helps build credit and earns rewards points.1
No credit checks. Use your bank.2

Apply Now

Your credit isn’t going to build itself. Let’s get started
4.6K Ratings



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!”

Read more
Read less
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.”

Read more
Read less
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.”

Read more
Read less
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.”

Read more
Read less
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!”

Read more
Read less
Source: Apple App Store
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!”

Read more
Read less
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.”

Read more
Read less
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.”

Read more
Read less
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.”

Read more
Read less
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!”

Read more
Read less
Source: Apple App Store
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!”

Read more
Read less
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.”

Read more
Read less
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.”

Read more
Read less
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.”

Read more
Read less
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!”

Read more
Read less
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
Impact on your credit score may vary depending on your use. Extra is required to
report both on time and late payments.


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.



Have more questions? Check our FAQ


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!

According to Experian's State of the Automotive
Finance Market 2020.


WHAT’S THE DIFFERENCE?

Debit card
Secured Card
Credit Card
 * No Credit Building
 * No Rewards Points
 * Only Allows One Bank
 * Frustrating Customer Support

VS

 * 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

 * Builds your credit¹
 * Earns Reward Points
 * Daily Payments
 * 24/7 White Glove Concierge Support

Apply Now



OUR PLANS

Up to $101 Savings
Monthly
Annually
👍
Credit Building
$20/mo
 * Debit that builds 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
$25/mo
 * Debit that builds 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

👍
Credit Building
$149$240/year

 * Debit that builds 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$300/year
 * Debit that builds 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 hey@extra.app, 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.



YOUR CREDIT ISN’T GOING TO BUILD ITSELF. LET’S GET STARTED!

Apply Now
Extra does not check your credit score
‍
© 2022 The Aligned Company d/b/a Extra

Contact Us: hey@extra.app


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The Aligned Company d/b/a Extra (“Extra”) is a technology company, not a bank.
Banking services provided by and the Extra Mastercard Debit Card is issued by
Evolve Bank & Trust, Member FDIC (“Issuing Bank”), pursuant to a license from
Mastercard USA. Cardholders must be at least 18 years old and a citizen of the
United States, or a permanent resident with a valid social security number (SSN)
or ITIN. Federal law requires all financial institutions to obtain, verify, and
record information that identifies each person who applies for an Extra Debit
Card. Your eligibility for the Extra Debit Card is the decision of the Issuing
Bank.

¹All transaction and account activity is subject to review and approval by both
Extra and the Issuing Bank. Increases or specific changes to your credit score
are not guaranteed. Impact on your credit score may vary depending on your use.
Extra is required to report late payments, which may negatively impact your
credit score. Credit scores are independently determined by credit bureaus based
on a number of factors, including the financial decisions you make with other
financial services organizations. The Extra Debit Card and related services will
not remove negative credit history from your credit report. Extra will report
your activities to Experian® and Equifax®. Please refer to our Terms of Service
and Cardholder Agreement for additional details. Pricing and rewards
availability will vary depending on plan and term selected.

²In order to transact with your Extra Debit Card, you must have an active,
Plaid-compatible bank account linked to Extra’s services (“Partner Account”). In
the event your Partner Account is disconnected from Extra services for any
reason, you will not be able to use your Extra Debit Card. Within 30 days of the
date of each transaction made using your Extra Debit Card, Extra will initiate
one or more ACH debits to deduct equivalent funds from your Partner Account.
These ACH debits typically deduct funds from your Partner Account within 2 to 3
business days after initiation by Extra. You are responsible for keeping track
of your available Partner Account balance.  If the ACH debit is successful,
Extra will report positive payment history to the credit bureaus. If the ACH
debit fails and remains unpaid for 30 or more days as of the last day of the
month, Extra may report negative payment information to the credit bureaus.