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
I like the fact you can spend like a debit card but it builds your credit. Yes, there’s a fee associated with it, but it’s better than a 25% APR interest credit card that’s hard to pay off.
By J W.
Response from Extra Card· Jan 19, 2023
Thank you for your review!
Very easy to use. Started with 540 credit score. After about a year my credit is over 670 and climbing. This is a great service when used with other responsible credit building methods.
By Phillip S.
Response from Extra Card· Jan 19, 2023
We're so happy to hear your score has increased using the Extra Card—thank you for your review!
I do not get all the charges each month. Charges are combined. This makes it hard to track charges on the card. Monthly statements take three weeks?
By Charles E.
Response from Extra Card· Jan 19, 2023
Thank you for your feedback! We take all of your transactions and report them to Experian and Equifax each month, these statements are available on the 15th of each month, and can be viewed within the Extra App.
Extra has actually lowered my credit score because of an error in reporting that they admitted and my credit has not recovered from it in 7 months.
By BRIAN D. W.
Response from Extra Card· Jan 19, 2023
We apologize for your experience, and would like to look into your account to fix this issue as quickly as possible! Please send an email to [email protected] and we will sort this out.
Credit score has increased. Easy to use
By Glenn S.
Response from Extra Card· Jan 19, 2023
We're happy to hear your score has increased using the Extra Card—thank you for your review!
If possible increase credit score faster.
By Tony L.
Response from Extra Card· Jan 19, 2023
Thanks for your review!
Great service, and card does exactly what it’s advertised for. Glad I made the decision to obtain.
By Tony M.
Response from Extra Card· Jan 19, 2023
We're so happy to hear that—thank you for your review!
It doesn’t take the money from your account fast enough. Sometimes it be more than 24hrs
By Felipe O.
Response from Extra Card· Jan 19, 2023
Our system currently checks and refreshes your connected account balance up to three times a day. We understand that all of our members are unique and have different spending habits, and sometimes this just isn’t enough. We’re excited to say, we will soon be releasing a number of improvements, including an in-app manual refresh feature! This feature will allow our members to manually update their account balance any time within the Extra app. We will announce this to all of our members once this feature is live. Thank you for your feedback!
