Extra

Extra

Build credit w/o a credit card

9.5K ratings
156 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • April 4, 2021
  • June 25, 2026

Features

Extra screenshot #1 for iPhone
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About

Build credit history without a traditional credit card. This debit card helps you track spending, earn rewards, and report payments to credit bureaus. Apply quickly with no credit check required.

Build credit without a credit card
Earn reward points on purchases
No credit check required for application
Track purchases and spending
Exclusive app content and giveaways
Easy card management
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What users say

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What's New in Extra

3.6.10

June 25, 2026

Stability improvements and issues resolved while using Rent Reporting.

User reviews

Petty Email Advertisement/Bad Marketing Strategy

I’m giving one star because of the tone of the promotional email that was sent out. I did not find it amusing, and it came across as dismissive rather than helpful. I have no interest in building credit with a company that does not appear to genuinely support its customers. Life is not always sunshine and rainbows, and many people are facing real financial difficulties. Referring to your subscribers or customers as “anyone” in that context felt impersonal and disrespectful. That email alone was enough to make me reconsider my involvement with your business.
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Rewards Store/Extra decline

After Extra was acquired by Orchard, a real estate technology company, the rewards program sucks and fees rose.

Amazing

I had zero credit the 3 lines and someone told me about this app and it got my credit to 747 just by using it for everyday purchases like I was doing with my debit card if I could give 10 stars I would

Ditched me

Went through financial hardship and got ditched quick. Go elsewhere, everybody else at least lets you keep an account so you can login. Pretty silly to deactivate account an basically lock you out your own account.

Love this app

My friend suggested the app to improve my credit which it has but I also like how it buys me a few days to pay things and how I earn points which get me cool stuff for free.

User experience

🐞

Reported Bugs

2 issues

Rewards page bugs and issues

Bug

Inconsistent spend power limits and increases

Bug

Requested Features

3 requests

Reporting to all three major credit bureaus

Feature

Ability to cash out reward points

Feature

Faster bank account syncing and balance updates

Feature

FAQ

What does the Extra Debit Card do?

The Extra Debit Card allows you to build credit history by reporting your daily debit card transactions to credit bureaus. It also offers reward points on purchases and helps you track your spending. You can apply for the card by linking your bank account, and it provides a spending limit based on your bank balance without requiring a credit check.

How does this app help build credit?

When you use the Extra Debit Card for purchases, the app automatically pays itself back and then reports these transactions to credit bureaus at the end of the month. This reporting of on-time payments can help establish or improve your credit history, similar to how a credit card works.

Is there a cost to use Extra?

Yes, membership fees apply to use the Extra Debit Card and its services. Pricing and rewards availability can vary depending on the plan and term you select. You can check out their plans and apply online on their website for more details.

What are the benefits of using the app?

The app unlocks exclusive content to help you understand credit, provides access to a Rewards Store, and offers chances to win giveaways for items like MacBooks and PS5s. It also offers easy card management and more features are planned for the future.

What are the requirements to use the Extra Debit Card?

To use the Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra's services. If your linked bank account is disconnected for any reason, you will not be able to use the debit card.