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
The entire Extra experience has been a pleasure. Besides earning great rewards like airline tickets for making purchases I would be making anyway, the people at Extra are the best. They are what makes the app what it is. They get back to you very quickly, often within minutes. I love using Extra. :-)
By Kevin Jay L.
Extra is a great card! I’m so happy I got it and have had it ! The customer service people are great too ! Never had a problem ! Thank you extra !
By Christina W.
Extra Card is truly an amazing company with credit building attached to regular banking. Earning points to buy regular items in today’s market is essential. Extra card makes sense intellectually.
By Ronald
I've been using EXTRA for a while now. I was skeptical at first, but it's been surprisingly fun earning and redeeming points. I didn't have a credit score when I signed up either and not only do I now have a great score, but it also gave me an avenue to take the steps I am now to improve my score and prepare financially as I move into my late 20's. Everytime I've had an issue they've been quick and helpful in resolving it.
By Lilian F.
Worked for me! The app is very user friendly and I’ve never had a problem with transactions. Credit score actually went up but not sure how much it was because of the card however I’m sure it helped. I’ve lost my card a couple times and the staff has been quick to respond with a new card in the mail. The point system is nice as well. I’d recommend it.
By VonCorndog
I wish the people who reads the Extra ads give them a shot, cause hands down.... EXTRA IS TOTALLY AWESOME!!!
By Willie D.
I would like to said that card is very convenient and give you the opportunity to report to the main credit bureaus your debit card spending that you normally get credit for. Is something better than that? Customer service is remarkable well and they are always easy to reach with quick response and fast resolving any issue. I have around 18 months with their service and it has been a remarkable experience! 👍🏻👍🏻
By Kchorro S.
I’ve been using Extra for two years, and all I can say is that it is exactly as advertised. I pay $108 dollars each year, which is the plan that includes the rewards, and I think it’s completely worth it. I had only recently become an adult when I signed up, so I had no credit to start out with. Just after two years, my credit has now reached a great standing by doing hardly anything. I use it for gas and groceries. It’s such a handy system and easy to use!!
By Camryn D.
