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 39 reviews with 3 stars · Clear filters
I do not get all the charges each month. Charges are combined. This makes it hard to track charges on the card. Monthly statements take three weeks?
By Charles E.
Response from Extra Card· Jan 19, 2023
Thank you for your feedback! We take all of your transactions and report them to Experian and Equifax each month, these statements are available on the 15th of each month, and can be viewed within the Extra App.
It doesn’t take the money from your account fast enough. Sometimes it be more than 24hrs
By Felipe O.
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 say, 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 announce this to all of our members once this feature is live. Thank you for your feedback!
I am a little disappointed, that right after I started using my EXTRA card, the gift cards category in the rewards section disappeared. The ability to earn gift cards with points was a major selling point to me. I’m also still trying to convince myself that the small amount of influence over my credit scores are actually worth the fees I’m paying to have the card. The jury is still out.
By Jerry T.
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. We appreciate your feedback!
Good, helpful card but the customer service leaves MUCH to be desired.
By MooreExceptional
Response from Extra Card· Jan 18, 2023
We appreciate any and all feedback! Please reach out to [email protected] with your experience, and our team will seek to resolve anything you've found unsatisfactory.
unauthorized charged needed refunding, took longer than expected.
By Montarious K.
Response from Extra Card· Jan 16, 2023
We do apologize if there was any inconvenience caused here. It can take anywhere from 3-7 business days for a credit to process to your account, depending upon your banking institution. If you feel that anything was mishandled during the process of filing your dispute, please reach out to [email protected] and someone from our support team will be happy to review and assist.
The credit tracking is almost worth keeping my account but it bothers me that the point rewards are lacking. Gift cards need to to be offered as items available to be redeemed with reward points. The fact that that option is missing has me looking for another option. I may close my account because your reward catalog is useless to me.
By Bonnie H.
Response from Extra Card· Jan 12, 2023
Thank you for bringing us your feedback! We are always seeking input on what the biggest value adds are for our members. Our team is hoping to reintroduce gift cards in our reward store in the coming months. Please stay tuned for updates on this!
Extra states that it performs account checks 3x a day but it doesn't happen. It would be nice if it was just a continuous action where it would take into account when you added more money to the linked account to increase the spending allowance.
By Lee C.
Response from Extra Card· Dec 20, 2022
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 say we will soon be releasing a number of improvements, including an in-app manual refresh feature. This feature will allow our members to update their account balance at any time that’s convenient for them. Thank you for the feedback, and we hope this will help make Extra a more top of wallet card for you!
An embarrassing moment when I had funds in my account but extra did not allow the funds to be used. I had to fumble around looking for my other bank card that I had Extra linked to. This happened several times. So I stopped using extra until it caught up with my bank balances.
By KBZ
Response from Extra Card· Dec 20, 2022
We're sorry to hear this happened, and we apologize for your experience. Next time, you can check the Extra app for your live Spend Power balance, and the last time it was updated. If you've recently made a deposit, please note it will take a few hours for the system to update. We have a manual refresh feature coming very soon, and this will allow you to perform balance updates when you need them within the app! We'll make an announcement when this goes live.
