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
The entire process is digital and very smooth. Most importantly it works! I am so thankful for this service!!
By Flavia C.
Response from Extra Card· Jan 25, 2023
We're so thankful for you! Thank you for your feedback.
Great Experience so far with Extra and them helping me on the road to good credit.
By Wesley L.
Response from Extra Card· Jan 25, 2023
Thank you for your feedback!
Great company, happy with the service! Not sure how effective it is on increasing your credit score but I like using the card. I would not count on this card solely to help boost credit overall.
By Stratos S.
Response from Extra Card· Jan 25, 2023
Thank you for your feedback!
Very easy to set up. Payments are reported to credit bureaus which in time does help you build up credit!
By Rafael
Response from Extra Card· Jan 25, 2023
Thank you for your feedback!
This card has literally saved my non existent credit! My credit went from nothing to good and I'm so excited! I was approved to get an apartment with no problems and it's all because of this app! I also applied for a credit card and I easily got approved! I'm so happy I signed up for this app!
By Yvonne H.
Response from Extra Card· Jan 25, 2023
We're so happy to hear the Extra Card has helped you get approved for an apartment, and you've been able to get approved for a credit card! This is music to our ears—thank you for your feedback!
I like it i don’t think it helps my credit that much but it good to have when u forget u card or u debit card is renewed customer service is really good they help me with a scam transaction
By Isabelle K.
Response from Extra Card· Jan 25, 2023
We appreciate your feedback—thank you!
Need to use an atm? Surprise! Extra doesn't let you withdraw your own money. Used to be able to redeem points for gift cards but got dropped last year. So you pay 99$ a year to choose from crappy selection of junk. Charges randomly declined too. Be prepared for customer support overseas to give you canned responses via chat. Check out tomo, upgrade or juno if you want points for your debit card. No yearly fee for those either, unlike extra.
By Cleve
Response from Extra Card· Jan 25, 2023
Thank you for your review! Extra is unable to work at the ATM because we are a layer on top of your bank account. Extra grants Spend Power—based on bank balance, pending transfers, and member history. We can only approve a purchase if there is enough Spend Power on your Extra Card, which is why you may have seen a decline. We recommend keeping an eye on your Extra App to see where you're at. We sincerely apologize for not providing enough knowledge on how our product works thus far. Please send an email to [email protected] with any account related concerns, and we'll connect you to a specialist within the US.
It’s helping me out with my credit
By Keny De J.
Response from Extra Card· Jan 25, 2023
Thanks for the feedback! We're so happy to hear it's helping improve your credit.
