Monday, November 9, 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 39 reviews with 3 stars · Clear filters
It is a one time credit score boost but only one credit report, Experian. After that I have not seen a single boost no matter how much I use it. The only redeeming thing I got from using it is luckily I signed up for the reward points so at least I got my subscription fee back in products I found of value to myself.
By Douglas A.
Response from Extra Card· Jan 25, 2023
We appreciate your feedback—thank you.
The card is fine, but I have yet to see a change in my credit after using it, which is the only reason why I signed up for Extra in the first place.
By Austin Van De W.
Response from Extra Card· Jan 25, 2023
Thank you for your feedback! Generally the average consumer report has a limited amount of viewable data—so it often shows only a piece of what is actually being reported. Rest assured, Extra reports your full monthly spend, and your successful payments are being added to your credit history. If you'd like us to look into your account, please email [email protected] and a specialist will assist you.
The point system and products listed are terrible
By WG E.
Response from Extra Card· Jan 24, 2023
We appreciate your feedback! If you have product suggestions, please email [email protected] and we'll relay your request to the Rewards Team. 🎁
Your rewards program is why you get this rating. You used to be able to get gift cards and that was a little bit better. Cash back would be best. I will not renew this service. I also have not seen much improvement in my credit with this service.
By Luis
Response from Extra Card· Jan 23, 2023
Thank you for your valuable feedback! We are looking into the reintroduction of gifts cards, and appreciate your opinion on the matter.
There used to be gift cards that you could get for rewards and no you no longer can. Don’t know why this stopped but it was the reason I joined.
By customer
Response from Extra Card· Jan 19, 2023
Since removing gift cards from the store, we’ve received substantial feedback from members on what a huge value add this was for them, and for that reason the team is looking into the reintroduction of gift cards—we're unable to give a timeline at the moment, but we'll let you know when we have them available again!
Easy to use, but have seen no benefit or change in my credit in a 6 month period.
By Matt
Response from Extra Card· Jan 19, 2023
We apologize for any frustration you may have experience not seeing a change in your credit score over the last 6 months. We understand that improving credit is important to our customers, and we strive to provide the best service possible! We appreciate your feedback and would like to gather more information about your experience. Please reach out to [email protected] for assistance, so that we can better understand any issues, and improve our service for you, and all of our members.
Payments wouldn’t go through and inaccurate bank balance reading
By Felix M.
Response from Extra Card· Jan 19, 2023
Our system currently checks and refreshes your connected account balance up to three times a day. We understand that all of our members are unique and have different spending habits, and sometimes this just isn’t enough. We’re excited to announce, we will soon be releasing a number of improvements, including an in-app manual refresh feature! This feature will allow our members to manually update their account balance any time within the Extra App. We will let all of our members know once this feature is live. Please reach out to [email protected] with any account related concerns, and thank you for your review!
reporting to the credit agencies takes too long and at some point noticed the reporting was not there. Also would be great to see it on the 3 major reporting agencies.
By Francisco M.
Response from Extra Card· Jan 19, 2023
Extra reports the total amount spent each month to Experian and Equifax. Depending on where you’re checking, this is not always visible on your end. It is all accounted for in our reporting, but we do not define where or how the Credit Reporting Agencies list or categorize our activities on their proprietary websites. Please email us at [email protected] and one of our specialists will look into your account!
