Always very helpful and friendly!
Always very helpful and friendly!
By Calan R.
Response from Extra Card· Jan 24, 2023
Thank you for your review! 😊
Tuesday, November 10, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
832 reviews
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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
Always very helpful and friendly!
By Calan R.
Response from Extra Card· Jan 24, 2023
Thank you for your review! 😊
I have been with Extra for over a year now and I have only had great experiences with them. They answer any questions or problems that I have right away. My credit has gone up quite a bit. I'm so glad I signed up with Extra! Thank you!
By Mhappy
Response from Extra Card· Jan 24, 2023
Thank you so much for your feedback!
Super easy and simple to use. Builds credit pretty fast highly recommend.
By Jose Avila R.
Response from Extra Card· Jan 24, 2023
We appreciate your review. 😊
I’ve never had a problem with using Extra as far as the experience goes. I’ve been using it a year at this point. The app is a great companion and it’s rewards program is decent. I banked all the points and got around $50 worth of merchandise which offset the annual cost of having the card by about half. The reason I’m not giving it 5 stars is that I got it hoping it would give my credit score a little boost, and as far as I can tell, it has not. Having said that, I simply don’t think it is for people in my situation who already have a variety of aged and revolving credit accounts. Having one more just didn’t do much for me, and actually changed my “age of Credit” average. I can totally see how someone younger with little no credit history could benefit. Extra does what they promise as far as timely reporting and what not. Your mileage may vary. I definitely recommend them.
By J. P.
Response from Extra Card· Jan 24, 2023
We greatly appreciate this insightful review—thank you!
Between this product and two others I took my credit score from 4 to 719 in 8 months
By Atro
Response from Extra Card· Jan 24, 2023
Extra is excellent for first time credit builders! We're so happy to hear you've seen great results with your Extra Card. 🙌
Is was very easy to apply & begin to use Extra Card. It gave me the opportunity to increase my credit score by using debit like I have been for years. It raised my credit scores so that I was able to open new lines of credit. Thanks to Extra Card I now have opened 4 new trade lines and have increased my credit worthiness. I highly recommend Extra Card.
By Saúl
Response from Extra Card· Jan 24, 2023
We are incredibly happy to hear this—thank you for the feedback!
Its easy & very helpful for people trying to build a credit score.
By Nicole M.
Response from Extra Card· Jan 24, 2023
Thank you for your review!
Easy to use and it has been slowly helping my credit.
By Robert A.
Response from Extra Card· Jan 24, 2023
We're happy to hear it—thank you for your feedback!