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 94 reviews with 1 star · Clear filters
They’re not customer service based they will work any or head in any way possible to take your money and make as much off you
By Angle
Response from Extra Card· Feb 15, 2023
This is not the experience we wish for any of our members. If you email [email protected] we will happily connect you to a specialist to review your account!
Extra started out great for me- until Christmas time came around. Somebody managed to get ahold of my card/account info and spent about $400 on my card between 3 transactions in Florida, which is half way across the country from where I live. It took them incredibly too long to give me my money back, again during CHRISTMAS and I didn’t even get it until weeks later. Then it happened a SECOND time, within weeks of the first time. Extra is extremely unreliable with zero customer service reps to talk to over the phone, the entire experience of messaging “a person” from the extra team feels fake and it seems they do not do anything to keep these things from happening. You have to catch it on your own and then bring the problem to them, any normal bank notices transactions made in other states and immediately contacts their customers to ensure the safety of their accounts. Extra does not do this and the process for helping anyone when anything bad happens is too slow.
By Lauren
Response from Extra Card· Feb 15, 2023
We are incredibly sorry your experience has been this unfavorable. If you'd like a specialist to review your account, please email [email protected] and we'll do our best to rectify the situation.
Didn’t help to build my credit. Basically just took my money for nothing. I will tell everyone to avoid this if they are considering
By Spencer R.
Response from Extra Card· Feb 15, 2023
We value your feedback—thanks for the review! If you email [email protected] we will happily connect you with a specialist to look over your account.
Supposed to help your credit but it really doesn't at all
By Mike J.
Response from Extra Card· Feb 15, 2023
Hey Mike! There are many factors surrounding your credit score. If there are any delinquencies or outstanding debts from other tradelines, Extra cannot work as effectively. You're welcome to email [email protected] and we'll have a specialist look into your account. Here's a new study showing how Extra has impacted our member's score: https://extra.app/blog/post/new-study-shows-significant-benefits-of-using-the-extra-debit-card
No help and card not working from 2 months but taking membership fees
By Nagasankar D.
Response from Extra Card· Feb 15, 2023
Hey Nagasankar! This is absolutely not the experience we wish for our members. We just sent you a prompt to re-link your bank account so you can start utilizing your Extra Card! If the issue persists, please email [email protected] and we'll connect you with a specialist.
App works half the time, balance not updated enough.
By Bernardo G.
Response from Extra Card· Feb 15, 2023
Hey, Bernardo! We have an in-app manual refresh feature coming very soon! This will allow you to update your Plaid balance whenever needed, eliminating the need to reach out to Member Concierge. We’ll make an announcement once it’s live.
The scam people of their money. There have been many transactions that I've had to speak with them about because the transactions were not made by me. And they still didn't take accountability for their mistakes and continued to do it over and over again. Horrible service and experience. CHECK YOUR TRANSACTIONS. Make sure you are being charged for the right amounts. Would not recommend ANYONE to have an account with them.
By Ledune
Response from Extra Card· Feb 8, 2023
Hey, Ledune—thank you for your feedback! We sincerely apologize for the frustration this experience has caused. We have an in-app 'freeze card' option, and when you alert Member Concierge, we can freeze your account on our end, too. It's important to always keep your information safe, and be wary of phishing emails disguised as big brand names offering something "free" in return for your personal information. Should you like to open your case again, you can email [email protected] and we'll connect you with a specialist.
they send separate charge instead combining a redrawing one charge
By Seth T.
Response from Extra Card· Feb 7, 2023
Hey Seth! We combine all of the transactions made in a day, and deduct those from your bank the next business day. Apologies for any confusion this may have caused.
