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 love this app because customer service is very quick and it is compatible with apple pay (that's the most important part for me)💯
By Ash
Response from Extra Card· Dec 28, 2022
We're so happy to hear you've enjoyed the customer service experience, and the Apple Pay feature is important to you! Thank you for your feedback. 🙏
Astonishing best thing that has happened to my credit yet!
By Javae
Response from Extra Card· Dec 28, 2022
We're so happy to hear it—thank you for your feedback!
I can’t say nothing but good things about the Extra card. It has raised my credit score drastically. Over 36 points within two months!
By Rome M.
Response from Extra Card· Dec 28, 2022
We're so happy to hear it—thank you for your feedback!
It took me over 2 months to get my card. Card gets declined at random places, even with more than enough money in my account. App has so many glitches, and issues, the representatives barely seem to understand what’s going on or why their system isn’t working. The “cash back” points system is also terrible, in order to get rewards from their store you have to spend even more money to get the products shipped so it’s pointless.
By Lucas
Response from Extra Card· Dec 10, 2022
Hey Lucas, we're incredibly sorry about the length of time it took for your card to arrive. When you complete setting up your account, you unlock access to your virtual card and can add it to your digital wallet right away. If you contact Member Concierge, and let them know of the delay, we will happily apply subscription credit for the amount of time you waited. When an app issue is reported to our agents, they escalate your request to our Tech Support team to troubleshoot. If you have an issue that’s ongoing, or your card is declining at specific merchants—you're welcome to send a quick email to [email protected] and a specialist will look into your account.
Your account balancing software is terrible, and requires frequent manual balance updates, or the card is unusable.
By Curtis S.
Response from Extra Card· Dec 10, 2022
We’re sorry to hear of the frustrations you’ve had using your Extra Card. Our system checks and refreshes your account balance three times a day, but we understand this isn’t always frequent enough for everyone's spending. Fortunately, we have an in-app manual refresh feature coming very soon! This will allow you to update your Plaid balance whenever needed. We hope these improvements help make Extra a more top of wallet card for you.
I started using extra to build my credit because I had none. My credit score over these 8 months went straight up to the 750’s !!!!!! Love this so much.
By Amarae R.
Response from Extra Card· Dec 28, 2022
We're so happy to hear the Extra Card has significantly improved your score! Thank you for your feedback. 😊
I’m loving it I would recommend it to anyone
By Armando M Gomez J.
Response from Extra Card· Dec 28, 2022
Thank you for your review!
The customer service is awesome.
By Jamillh V.
Response from Extra Card· Dec 28, 2022
We're so happy to hear you've had an excellent customer service experience! Thank you for your review. 😊
