Tuesday, November 10, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
832 reviews
Extra CardSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
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.
Extra Card (extra.app) has 832 customer reviews on The Fair Hearing, with an average rating of 4.3 out of 5.
Showing 592 reviews with 5 stars · Clear filters
Their customer service is amongst THE best in class. Significantly better than any of the banks I have. The one thing I’m really wishing is I hope they offer credit cards for their long time members to really help with credit. If this option is available I’m opening a card with them solely for the great experience I’ve had with them and especially their great CS
By JA
They help with everything I needed great work excelent
By Eduardo S.
I have been using extra for over 3 years and it was the best choice i made for my credit amazing features and very good customer support when you run into a problem.
By Luke C.
I really enjoy the app, very inexpensive and helped my credit a lot 10/10 really great app:).
By Peter P.
Very awesome company!
By Eli C.
I’ve been using Extra for two years now. I’m about to enter into my third year and I can honestly say it has been a godsend. In 2019 through 2022 I experienced back to back fraudulent activity. I had to close all my credit cards and go through a painstaking process of clearing my name. It was exhausting, infuriating and I was left with a credit score that was severely low and embarrassing. I’ve been working since I was 15 y/o, have a BFA, and now I own my own company but no matter how hard I worked my credit score barely made it to the Fair status. Finally I saw the adds on Instagram for Extra — a debit card that builds credit?!? It seemed like an illusion or some warped idea that went against everything I was taught about building credit. But I decided that I’d try it since credit cards weren’t an option for me while my name is still being cleared of all the fraudulent accounts. Within six months my credit improved, fast forward to November of last year and my credit score was good enough to be able to buy my car which was a huge milestone for me especially since it is essentially for my business to have a large vehicle to haul all the equipment and material I need for work. I highly recommend Extra for anyone who is looking to build their credit, whether it’s for personal use or business, like myself, it’s so easy to stay on top of your transactions. The concierge services is great, each customer service representative is professional, supportive, and proficient. The other perk I really love is the monthly PDF statements you can download. This makes it so simple to keep track of my expenses and send them to my business accountant. Highly recommend Extra who saw an opportunity to change the paradigm of build credit and who help good people that were victims of unfortunate situations build back their credit score. They really know how to take care of their customers. Thank you so much!
By Rigel F.
It wasn’t a long wait at all I was taking care of with no problems
By Roy D.
My experience was great ! Customer service was very helpful
By Imani B.
