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
I check my credit report and only see it on one report. And no changes on my score .
By Tracy H.
Response from Extra Card· Dec 20, 2022
Hey Tracy! You should see our reporting on both Equifax and Experian. If you reach out to [email protected], our specialists are more than happy to answer any questions or concerns regarding your account.
MOSTLY SATISFACTORY, EXCEPT EVERYTIME YOU DO A SOFTWARE UPGRADE, MY ANDROID PHONE EXTRA APP GETS DISCONNECTED FROM MY BANK, THE LAST TIME IT HAPPENED IT TOOK 13 DAYS TO GET RECONNECTED AND YOUR MANAGEMENT PEOPLE REFUSED TO EXTEND MY MEMBERSHIP TO MAKE UP FOR THE DOWNTIME I SUFFERED.
By D G.
Response from Extra Card· Dec 19, 2022
Thank you for your feedback, and apologies for any stress this may have caused—we are happy to look into this, and rectify the situation. Please send a quick email to [email protected] and a specialist will review your account!
I chose to try Extra as a means of improving my Credit Score but so far I haven't noticed a marked improvement. I'm still waiting to see results.
By Thomas H.
Response from Extra Card· Dec 19, 2022
Hey Thomas! 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. We do not define where or how the Credit Reporting Agencies list or categorize our activities on their proprietary websites. Please send an email to [email protected] if you have any questions or concerns regarding your account—a specialist will happily assist you!
Credit score doesn’t change at all with card extra
By Mikhail S.
Response from Extra Card· Dec 13, 2022
Hey Mikhail! There are a number of factors in your credit file that drive your score. Positive payment history is the foundation to establishing and maintaining good credit. With Extra, you can eliminate the complications that come with overspending on traditional credit cards. It can simply take time to exemplify good use of a new trade line, and have it reflect on your score.
I liked when the company had better selections on rewards from the points you receive for using the card. You used to be able to redeem points for gift cards that option was taken away. The new option choices are terrible and garbage items.
By Anonymous
Response from Extra Card· Dec 10, 2022
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!
Overall, the card service does exactly what is advertised and I have received a nice increase to my credit score. I would give 5 stars but since you have taken-away the gift cards from the rewards section I have been very disappointed. Kinda has that bait & switch feel to it! That was the main reason why I upgraded my membership to get points was in an effort to earn the gift cards. I finally earn enough points to get a few gift cards and "poof", they're gone without notice. The items that are available through the points exchange are, shall we say, less than desirable! Bring back the gift cards - as you had initially advertised!
By Luke D.
Response from Extra Card· Dec 7, 2022
The team is looking into the reintroduction of gift cards—your feedback is valuable, and we appreciate your insight!
I feel that only getting the basic credit building plan is the only thing that is worth it as being a member. I have been with extra for close to a year now and they have helped with me improving my credit score. However, upon further review I do not feel that the extra credit plus rewards plan is worth it. The rewards are basic at best and you have to use up all of your points on the simplest of things. The items aren't as exclusive as they make it out to be. There is a lot of tech issues with their app and their games they create are hard to play. You can't even resell any of the items you use from your points because they aren't of much value. I asked for them to lower my plan to the basic $8 plan and was told I have to wait for the tech department to look into this matter within 24-72 hours. It has been 5 days now. A customer service rep. told me that they have escalated the matter but also told me that I may not be able to lower my plan. I mean when I signed up I was told I had the option to change my plan when I wanted to. I bet if I was on the basic plan an wanted to upgrade to the $12 plan they would just do so with no hiccups. Now that I want to reduce my plan meaning they get less money from me, they are making me jump through hoops. I feel that I may have to cancel my account and escalate this with the Attorney General. Basically, only get the regular credit building plan and not the rewards plan. It is not worth it. Yes. My overall situation was resolved by a manager. Thank you.
By Clifford W.
Response from Extra Card· Dec 5, 2022
Hey Clifford—we always like input on what our members would like to see in our Rewards Store. After investigating, we can see a supervisor reached out and offered a resolution. We love to hear your credit has improved since using Extra, keep it up. 🤝
