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.
Written by the business, not verified by us.Extra Card (extra.app) has a 4.4 out of 5 rating on OK.one, based on 103 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 87% of reviews are 4 stars or higher and 12% are 1 star; The business has not yet replied to negative reviews; 1 of them were added in the last 12 months. Last updated 2026-08-12.
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 redeem a lot of great items like beats headphones and gift cards towards airline travel! I highly recommend Extra! Safe and secure, better than using your debit card.
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 earn points which you can use for gift cards. It’s a MasterCard so it’s accepted everywhere and isn’t like a credit card with interest but same earning potential.
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 is top notch. They respond quickly and aresuper friendly. 10/10 recommend singing up with these guys.
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