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.
832 approved reviews, newest moderated first
I LOVE Extra! So convirng for me to have a credit card that uses money I already have! No paying off statements, and no worrying that someone will steal my debit card! Anytime I’ve had a question, my chats with customer service have been simple, pleasant, and effective.
By Sophia C.
Response from Extra Card· Jun 20, 2023
That's what we aim for, Sophia! Thanks for being the best part of Extra!
Solid app. Good customer support and service. Love the rewards!
By Ray C.
Response from Extra Card· Jun 20, 2023
Thanks so much for the positive feedback, Ray! We're happy to hear you're enjoying all aspects of Extra.
Great customer service the reps are always so helpful! Great way to start off your credit.
By Pao
Response from Extra Card· Jul 10, 2023
Thank you for taking the time to leave some positivity here for us, Pao! If there is ever anything we can do that would bump us up to 5 stars in your book, we would love to take those notes from you and run with it wherever we can! We hope you keep slaying the credit game with your Extra card. You know where to find us if you need anything.
Please read reviews before deciding to use their services. Multiple red flags... The customer service lack of assistance and unprofessionalism is a big reflection on the company as a whole that lead to me closing my account. First red flag is I disputed a charge in December 2022 and Extra decided to rule in the company's favorite of an unauthorized transactions. I closed my account since I felt they don't protect their customers. A month after, I got the company who made the unauthorized transaction to agree to a refund. Second red flag is Extra customer service contact is through email only. Initially, they agreed to refund my money and send a check since I don't have an account. The company trying to refund my money said Extra was not communicating with them to process the refund. Third red flag is Extra customer service through email is horrible. When trying to communicate on how to get my refund from the company, they kept referring to my dispute that they made a decision on. I sent a screen copy of the company agreeing to the refund and CC'ed Extra on the email communication of the company trying to process the refund, yet Extra still kept referring to the dispute decision they made in February. Fourth red flag is paying for their services to help build your credit when you have companies like Chime, Ced.ai, Varo that will do it for free.
By JOw
Response from Extra Card· Jun 23, 2023
I brought your feedback to our team so they could investigate what happened here. We can assure you that dispute results are outside of Extra and entirely between the merchant and Mastercard. We understand that after your dispute was lost you contacted the merchant and they've agreed to issue a refund. We've followup up with them several times and they've confirmed that the refund has been processed on their end and they are just waiting for their financial merchant to complete the process so the payment can be credited back to your account. We are incredibly sorry to hear of the frustration this matter has caused and we hope this can be resolved for you soon.
The app has multiple persistent issues that are not adequately addressed despite regular updates. Recently, I experienced a severe issue where I was unexpectedly logged out and logged into someone else's account upon logging back in. When attempting to contact support, I encountered further frustration as the displayed name on the app did not match the account I was logged into. This raises serious concerns about the company's overall security measures and the effectiveness of their support. The support system appears to rely heavily on pre-written responses and an ineffective AI bot. Given these experiences, I would exercise caution when sharing sensitive information due to the apparent lack of account security. The overall security of their services is a matter of significant concern.
By Mr. S.
Response from Extra Card· Jun 15, 2023
We're deeply sorry for the inconvenience you've experienced. We understand your concerns about security and appreciate your feedback about our support system. We did experience a small technical error recently, which impacted a handful of customers. This incident was swiftly identified and resolved, and we can confirm no sensitive data such as passwords or financial details were unprotected. We want to reassure you that we constantly strive to certify the security of our users' data, and we remain committed to maintaining a secure environment for our members. We are constantly making great strides to enhance our product and the quality of service that we are able to offer our members. Your feedback is invaluable to us in improving user experience, and we are committed to ensuring our support system is both responsive and effective.
Constant communication
By Marcus
Response from Extra Card· Jun 12, 2023
We just really like chatting you up, Marcus! Glad it's working well for everyone.
I haven’t received my card but the customer care department has been beyond helpful and quick to respond to all my questions! I Can not wait to get my card. Elijah was very sweet and helpful to me today with my questions.
By Kelsey D.
Response from Extra Card· Jun 12, 2023
We're so happy to hear you've had a great experience with our CS team. They are always happy to answer any questions you have! Thanks for taking the time to share your thoughts, Kelsey!
Horrible company! I just found out they've been autodrafting my account $8 a month for a very long time without doing anything whatsoever. The only way they would approve me is sending them my social security card (wouldn't take any other form of identification) and since I lost it, it took me a long time to get one. The rep said they have literally not reported once in all those months. Not once. How can you me a credit builder if you don't report anything? "We only report what you spend," he said. Yet they wouldn't let me spend anything until now. Truly unbelievable.
By Josh W.
Response from Extra Card· May 26, 2023
Hey Josh! I do apologize for the frustration here. Identity verification is required in order to unlock your card and start spending. We begin reporting your Tradeline upon the first month of sign-up! So you have received credit furnishing each month that you've been active with us, there has just yet to be any spend on your card reported. I see that one of our managers has been in communication with you and your account is fully set up now. She will let you know what we can do in accordance with our refund policy. We appreciate you choosing Extra in your credit journey and look forward to you beginning to weave our card into your everyday spending.
