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
Extra Card app is very efficient and accurate. It even sends messages before monthly payment and transfers are done. It also shows the spend limit. I really like this app!
By Tom L.
Response from Extra Card· Jan 19, 2023
Thank you for your feedback!
I am a little disappointed, that right after I started using my EXTRA card, the gift cards category in the rewards section disappeared. The ability to earn gift cards with points was a major selling point to me. I’m also still trying to convince myself that the small amount of influence over my credit scores are actually worth the fees I’m paying to have the card. The jury is still out.
By Jerry T.
Response from Extra Card· Jan 19, 2023
Since removing gift cards from the store, we’ve received substantial feedback from members on what a huge value add this was for them, and for that reason the team is looking into the reintroduction of gift cards—we're unable to give a timeline at the moment, but we'll let you know when we have them available again. We appreciate your feedback!
So when I first joined extra, I did it for 2 reasons. Yeah boosting my credit score is nice, but the real reason I'm paying $12 a month for this is because you can redeem your EXTRA points for actual gift cards. So if you earn $25 worth of points in the month, you just made $12 profit. At least that's how it used to work. I've been promised for months that the gift cards would be back, but nothing yet
By Louis M.
Response from Extra Card· Jan 19, 2023
Since removing gift cards from the store, we’ve received substantial feedback from members on what a huge value add this was for them, and for that reason the team is looking into the reintroduction of gift cards—we're unable to give a timeline at the moment, but we'll let you know when we have them available again!
Have never been able to get a clear answer on the points redemption I have accrued? I have been told multiple times that It can't be mailed, etc..etc...
By David S.
Response from Extra Card· Jan 19, 2023
Hey, David! Points can be redeemed in the Extra App on Rewards Store purchases—if you have any questions or concerns regarding your account, please reach out to [email protected] and one of our specialists will assist you!
When I saw my credit score go up I knew it was the right choice for me.
By Sean U.
Response from Extra Card· Jan 18, 2023
Thank you for your review!
I had lost my job and was bleeding money oh membership fees I had reached out to support to cancel they waved the fee for a month while I found a job thankfully I was able to keep the card it helped build my credit back up
By John
Response from Extra Card· Jan 19, 2023
We're incredibly happy to hear your customer service experience has been satisfactory! Thank you so much for your feedback.
Extra the greatest 🙌
By ABRAHAM A.
Response from Extra Card· Jan 19, 2023
Thanks for your review! 🙌
Let's say I don't do well with credit cards. I finally had it and cut up all but one for emergencies. Extra lets me spend only the money I have and earn positive marks on my credit report month by month. By reporting my spending as paying off my monthly credit card, it builds my credit. One day I hope to be able to have good enough credit again, this is a small step in that direction.
By Greg. H.
Response from Extra Card· Jan 19, 2023
Thank you for your review. We're happy to hear the Extra Card is helping improve your score!
