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See what reviewers are saying

Rated 5 out of 5 stars

Have been using this app for a few months now and has helped my credit score already! Perfect for hotels versus a standard debit card because you get your deposit back much quicker. Customer service i... See more

Rated 5 out of 5 stars

Not only does this card help build credit, it’s accepted nearly everywhere. They are so responsive and helpful if you have any issue and resolve it right away. My favorite thing about this card is you... See more

Rated 1 out of 5 stars

beware of this debit card if you use it, you have to pay it back right away. If you can't pay it back, they will ruin you. They will make your credit score drop as much as 70 points.

Rated 5 out of 5 stars

Have been a member since 2021. Extra has helped me achieve a better credit score and has helped me understand and manage my finances better! I was able to get rewarded for using my Extra card and rede... See more

Company details

  1. Alternative Financial Service

Written by the company

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.


Contact info

4.2

Great

TrustScore 4 out of 5

844 reviews

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Hasn’t replied to negative reviews

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Extra has helped out in so many ways

Extra has helped out in so many ways, than just building credit. It’s a great resource, and helps with saving and spending. I was reluctant at first, but one getting the hang of it - holy moly. It’s fantastic!

7 August 2024
Unprompted review
Rated 5 out of 5 stars

Love this credit builder

This company has helped manages my finances and it has also boost up my credit score. Love it and will always recommend it. And the customer support is always prompt and professional

5 August 2024
Unprompted review
Rated 5 out of 5 stars

Stay or go?

I was thinking about ending my membership but got some help to better understand what I can be doing to improve my credit. They were very helpful and I am keeping my membership.

5 August 2024
Unprompted review
Rated 5 out of 5 stars

Victorious Journey by King Fatai

Hello my name is Fatai Williams also known as King Fatai and I’m a music artist and entrepreneur; and I’ve been a member with extra since 2023 and the experience has been phenomenal.
I love Extra and It has helped me to learn credit and use it for my benefit.
Even the videos in the portal when I first started my journey helped to grow my knowledge as well as build great habits.
My credit has grown so good and things only keep getting better.
I’m always referring people I know as well as people I connect with to extra, it’s definitely a game changer.
Furthermore, as I continue building my brand and business,I look forward to one day being the face of Extra or even a partner and spokesperson because people should know there’s an easy way to build your credit so you can put yourself in position to achieve your dreams.

Thank you much Extra!

7 August 2023
Unprompted review
Rated 5 out of 5 stars

Been using Extra for about 2 years now…

Been using Extra for about 2 years now and I have to admit it's been great!. Not only am I building my credit but I've gotten a few items from their rewards store on the app, And everything I've received has been excellent! I've already referred some friends to them as well.

4 August 2024
Unprompted review
Rated 5 out of 5 stars

Best app and account for helping my…

Best app and account for helping my finances and work with the credit reporting agencies. It looks to them like a loan I am paying off monthly while really it’s a debit card to my bank account. Customer service is always responsive and solves issues quickly. Happy with this company.

4 August 2024
Unprompted review
Rated 5 out of 5 stars

Great card

Great card. Been using for a few years now and has become my main card to use. Great benefits, excellent customer service and credit builder. Highly recommend!

30 July 2024
Unprompted review

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