Build Credit History
with a Debit Card.

Extra is the first debit card that builds credit & earns rewards just like a credit card.

Apply Now
Extra does not check your credit score!

What Can Better
Credit Get You.

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+ on the same car!

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

How Does It Work?

1

Sign up by connecting your bank account, and we give you a spending limit (Spend Power) based on your bank balance with no credit check. Generally, the more purchases you make with Extra, the more your Spend Power will increase.

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 made with Extra and report them to credit bureaus as credit worthy purchases.

Build Credit,
Earn Points,
Keep Your Bank.

Every purchase helps build your credit score.

Earn points and redeem them in our rewards store.

Connects to your existing bank account.

No Credit Checks or Interest Fees.

It’s your money. We don't need to check your credit or charge interest just to let you spend it.

But What About 'Secured' Cards?

  • ✅ No deposit required
  • ✅ No interest or hidden fees
  • ✅ Full impact on credit score
  • ✅ Earn Reward Points
VS
Secured Card
  • ❌ Deposit required
  • ❌ Charges up to 17% interest
  • ❌ Limited impact on credit score
  • ❌ No Reward Points

What Members Are Saying...

Building credit history
one transaction at a time.

Abhay A.
Age 24, Georgia
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.”
Emily P.
Age 27, Texas
“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 now February 2021 and my credit score has  risen to nearly 600!
Leo M.
Age 33, New York
“I have had Extra for 4 months now and my individual reporting has  bumped over 25 points,  helping my score go above 750.”

FAQs

Why does Extra exist?

Today, over 100 million Americans don't want or can't get a credit card... and we understand why! Credit cards come with cons. Like overspending, high interest rates, inaccessibility, and mountains of debt.

But a great credit score can change lives, especially with important long-term goals like securing a housing mortgage or getting the best possible repayment plan on your big purchases. Despite this, there are very few credit-building alternatives.

Enter Extra. Our mission is to create a safer, more accessible credit experience with the ease and predictability of a debit card. With Extra, you can relax as you work towards your long-term goals and avoid the pitfalls and traps of a credit card—no credit checks, no interest rates, and no hidden fees.

How does Extra work?

First, you connect your bank account with Extra.

After that, we give you a spending limit (Spend Power) based on your bank balance with no credit check. Generally, the more purchases you make with Extra the more your Spend Power will increase.

Every time you swipe your Extra card, we spot you for the purchase and automatically pay ourselves back the next business day.

At the end of each month, we add up all of your purchases and report them to the major credit bureaus (like Equifax and Experian) as credit-worthy payments!

And there you have it, a debit card that builds credit. ✨

How does Spend Power work?

Spend Power is the amount that you can spend on your Extra Card at any given time. It’s based on your current balance and how long you’ve been a member. It starts out small for new members. But, generally, the more purchases you make with Extra, the more your Spend Power will increase.

Is Extra a Secured Card?

A secured card requires an upfront deposit, usually 1-2 times the credit limit. They come with high interest rates, fees, and rarely provide rewards. Due to their structure, they usually have low limits and, when you utilize more than 30% of your available limit, this can actually hurt your credit score. Finally, they have limited impact to your credit score because credit bureaus know you’re lending the money to yourself.

The Extra Debit Card is the opposite.

We allow members to keep their existing bank account so they can safely build their credit and earn reward points with the money that they already have. There are no deposits, interest, or hidden fees. Win, win, win!

How much does Extra Cost?

Most credit-building products make money from steep interest rates, hidden fees, and by selling your personal data—especially the "free" cards.

At Extra, we don't think that's right. That's why we charge a flat monthly subscription instead, with our lowest plan starting at $7/month! And because you earn redeemable points with every purchase that can be used in our amazing rewards store, the card literally pays for itself.

This way you can focus on building credit and working towards long-term goals with the money you actually have, without worrying about things like data mining, steep interest rates, or hidden fees.

Which Credit Bureaus does Extra report to and how often?

Currently, we report to both Equifax and Experian at the end of each month!

Once you sign up, Extra should start appearing on your credit report by the 15th of the following month.

If you're not seeing us, simply reach out via the Extra App and someone from our amazing Members Concierge will be happy to help!

How does Extra report my credit utilization?

Extra automatically pays itself off daily, so your credit utilization resets every 24hrs—picture a credit card that pays itself off without any of the interest. Pretty cool, huh?

Thanks to this unique feature, you never have to worry about staying below the recommended 30% threshold to maintain a good credit score.

Why should I trust Extra with my bank account?

Extra never stores any of your banking information, ever. We use Plaid to securely connect to your existing bank account (just like Venmo), so your banking information stays your business. Just like it should.

Got more questions?

We're more than happy to answer them all! Please visit FAQ page or email, [email protected] and someone from our wonderful concierge team will help take care of you!.