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
This card I will cherish forever. I had horrible credit and NO ONE would give me a credit card. Was going to use my own money for a secured credit card but heard of this on YouTube. Now my credit is much better and now I frequently receive credit card offers in the mail 💳 . The Extra card was a HUGE help. Thanks 😊
By Javier C.
Response from Extra Card· Jan 25, 2023
We're so happy to hear this—thank you for making our day!
Super easy and helpful
By Samantha J.
Response from Extra Card· Jan 25, 2023
Thank you for your review. 😊
Great way to build credit history. I’m grateful for the Extra card for helping to pull my credit score from the depths of the abyss. I also love the rewards points you gain by using the card. Please bring gift cards back!!!!
By Cyrus
Response from Extra Card· Jan 25, 2023
We hear you, and we're working on the reintroduction of gift cards! Thank you for your feedback. 😊
Started from the testing period and never had a problem. Its super convenient especially with a lot of other credit card companies not rewarding you for anything but big purchases. I don't have to do anything but pay the monthly fee and I never had an issue with it not affecting my credit. Great for people living paycheck to paycheck.
By Andy B.
Response from Extra Card· Jan 25, 2023
We appreciate the feedback—thank you!
Using this card helped me build my credit drastically just within a few months. Extra also has a built in store that you can redeem your points on to buy stuff. I found this to be great perk as most cards don’t offer this. Customer service is also great. The few times that I’ve contacted customer service I got a response within minutes and my issue was sorted out expeditiously. Definitely recommend this card for anyone trying to build credit.
By Sophia T.
Response from Extra Card· Jan 25, 2023
Thank you for this thoughtful review!
Great card for rebuilding or just building credit
By shane E.
Response from Extra Card· Jan 25, 2023
Thank you for your review. 😊
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 perfectly easy to use and reports to the bureaus promptly every month. I like having the card and use it all the time.
By WILLIAM J A.
Response from Extra Card· Jan 25, 2023
We're happy to hear this—thank you for your feedback!
