Comparison

Extra vs AMC Entertainment Visa Card

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Extra

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.

Highlights
  • 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
Features
Read full description

Your best life starts with better credit. Swipe the Extra Debit Card daily to help track your purchases, build credit*, and earn reward points* on every purchase. • Less than 15 minute to apply ▪ No credit check required ▪ Earn up to 1% back in reward points* ▪ Get the best looking debit card ever ▪ Check out our plans and apply online on our website. HOW IT WORKS ▪ Sign up by connecting your bank account* and get a spending limit based on your bank balance* with no credit check. ▪ When you swipe your Extra Debit Card, we spot you for that purchase and automatically pay ourselves back. ▪ At the end of the month, we total up all of your transactions and report them to credit bureaus as credit-worthy payments. DOWNLOAD THE NEW AND IMPROVED APP You'll unlock: ▪ Exclusive content to help you make sense of credit ▪ Access to the Rewards Store ▪ Giveaways for MacBooks, PS5s, gas cards, and more. ▪ Easy card management ▪ More FOMO-inducing features coming soon BETTER CREDIT CAN HELP YOU ▪ Qualify for an apartment ▪ Buy a home ▪ Get a better interest rate on a car **Pricing and rewards availability will vary depending on plan and term selected. *Impact on your credit score may vary depending on your use. Extra is required to report both on time and late payments, which may negatively impact your credit score. Advertised credit claims are typical results for customers who use Extra as recommended and are based on a study using data from Experian. To learn more, visit extra.app/study. ¹The Aligned Company d/b/a Extra ("Extra") is a technology company, not a bank. The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. This Card can be used everywhere Debit Mastercard is accepted. Rewards points only available with rewards plan. Membership fees apply. Please refer to our Terms of Service and Cardholder Agreement for additional details. ²Increases or specific changes to your credit score are not guaranteed. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau's determination of your credit score either positively or negatively. Credit scores are independently determined by credit bureaus based on a number of factors, including your other financial transactions. Extra reports to Experian® and Equifax®. Extra and related services will not remove negative credit history from your credit report. ³To transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra's services ("Partner Account"). If your Partner Account is disconnected from Extra services for any reason, you will not be able to use your Extra Debit Card. Within 30 days of the date of each transaction made using your Extra Debit Card, Extra will initiate one or more ACH debits to deduct equivalent funds from your Partner Account. These ACH debits typically deduct funds from your Partner Account within 2 to 3 business days after initiation by Extra or 14 days after your transaction depending on repayment program selected. This communication is for informational purposes only and should not be considered financial advice. THIS IS A LOAN SOLICITATION ONLY. THE ALIGNED COMPANY IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

About

AMC Entertainment Visa Card

Visualize your spending with interactive bubbles and clear merchant icons. Earn unlimited rewards on everyday purchases, dining, groceries, and gas, with bonus points at AMC Theatres. Manage payments with scheduled autopay and get notified before due dates.

Highlights
  • Spending visualization with interactive bubbles
  • Merchant icons for easy transaction identification
  • Unlimited rewards on purchases
  • Bonus points at AMC Theatres
  • Scheduled payments and autopay
  • Transaction history and context
Features
Read full description

”******* Visualize Your Spending Habits Fun, floating bubbles on the homepage card will help you understand where your money goes. Tap on one to expand the category and learn how much you spent this month, last month and what’s your top spend for this category. ******* Recognizable and Clean Your transactions are no longer a boring spreadsheet. Large icons with logos help you quickly identify the merchant. Transactions are split into days, weeks and months. ******* Earn Unlimited Rewards* 50 points for every $1 you spend at AMC Theatres. In addition to the 100 points per $1 earned as an A-List or Premiere member, or the 20 points per $1 earned as an Insider. 20 points per $1 spent on everyday purchases, including dining, groceries, and gas. 10 points per $1 spent on all other purchases. There’s no drama and no annual fees, just points that add up rapidly to rewards. Use your rewards to treat yourself to tickets, movie snacks, and more. ******* Engaging Transaction Details Get the picture, map and logo of your merchant. See how this purchase affected your overall category spend for the month as well as the history of your spend with this merchant. If you added a tip, you’ll see a red heart next to it. Now you can understand and get the full context of all your spending habits. ******* Scheduled Payments Set up autopay and don’t worry about late fees or additional interest charges. Turn the payment dial and see exactly how much you need to pay for minimum, statement and full balance payment. Get notified before the payment is due. ******* **Rewards are earned as AMC Stubs Points. Purchases do not include items returned for credit, or interest and account fees.

Screenshots

Extra4 screens
AMC Entertainment Visa Card4 screens

Verdict

The call

The clearest difference is rating: Extra at 4.6 against AMC Entertainment Visa Card's 3.7. Extra also leads on review sentiment (63% vs 37%) and ratings volume (9.6K vs 79). AMC Entertainment Visa Card's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Extra holds the better App Store score, 4.6 against 3.7. That said, the two scores are not equally well evidenced: Extra has 9.6K ratings behind it against 79, so its average is the more settled of the two. Written reviews point the same way: 63% of Extra's written reviews are positive against 37% of AMC Entertainment Visa Card's.

UpkeepUpdate frequency

Extra ships an update monthly, AMC Entertainment Visa Card every 2 weeks. The most recent releases landed on October 26, 2026 and October 22, 2026 respectively.

Scorecard6 real differences · 4 level
Extra versus AMC Entertainment Visa Card: the parameters behind the verdict, then further details
ParameterExtraAMC Entertainment Visa Card
PriceFreeFree
Rating4.6 (9.6K ratings) — better3.7 (79 ratings)
Positive reviews63.4% of reviews — better37.1% of reviews
Number of ratings9.6K — better79
Update frequencyMonthlyEvery 2 weeks — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size90 MB150 MB
Age rating4+4+
DeveloperThe Aligned CompanyAmerican Multi-Cinema, Inc

Customer experience

Extra

All ratings9,490 ratings
Positive91.5%
Neutral1.6%
Negative7.0%
Written reviews161 reviews
Positive63.4%
Neutral3.1%
Negative33.5%

AMC Entertainment Visa Card

All ratings73 ratings
Positive71.2%
Neutral2.7%
Negative26.0%
Written reviews35 reviews
Positive37.1%
Neutral0.0%
Negative62.9%

User reviews

Extra

From 9.6K App Store ratings

What we love

  • 🚀 Game changer for building credit
  • 👍 Friendly and helpful customer support
  • 💡 Informative financial education videos
  • 🚀 Seamless and convenient credit building
  • 👍 Great for budgeting and money management

Room to improve

  • 🐛 Inconsistent bank account syncing and balance updates
  • 🔒 Concerns about security and fraud protection
  • 🔒 Inability to cancel subscription easily
  • 🔒 Unauthorized changes made to accounts

AMC Entertainment Visa Card

From 79 App Store ratings

What we love

  • 👍 Great rewards for moviegoers
  • 🚀 Quick and easy application process
  • 👍 Good user interface
  • 👍 Points pile up easily
  • 👍 No annual fees

Room to improve

  • 🐛 App crashes and doesn't work
  • 🐛 Login issues and errors
  • 🐛 Two-factor authentication problems
  • 🐛 Cannot make payments through the app
  • 🐛 App doesn't display dashboards

Bugs and requests

Extra

Reported bugs

2 issues
  • Rewards page bugs and issues
  • Inconsistent spend power limits and increases

Requested features

3 requests
  • Reporting to all three major credit bureaus
  • Ability to cash out reward points
  • Faster bank account syncing and balance updates

AMC Entertainment Visa Card

Reported bugs

33 issues
  • App not working
  • Website not working
  • Cannot login
  • Error occurred when trying to login
  • App won't display dashboards
Show 28 more
  • Cannot make payments on the card through the app
  • Customer service cannot update email
  • Issue signing in after Apple update
  • App sends codes to phone and email, then error
  • Two-factor authentication always says 'oops there was a problem'
  • No option for existing user to sign in
  • App asks for phone number and email, then says existing customer with no sign-in option
  • Constant need to reverify via text and email MFA
  • App doesn't properly portray statement balance
  • Verification emails not received
  • App kicks users out and takes forever to get back in
  • Latest update did not fix bugs
  • App seems to try to make users apply a second time
  • Payment from six days ago not posted
  • No confirmation for second payment made
  • No option to cancel payment
  • Offshore agents were totally useless
  • App never sends email to finish application
  • Email from customer service gets nowhere
  • App has a lot of bugs
  • Error message when entering codes during sign-up
  • No number to call for help
  • AutoPay feature needs work through PLAID
  • Application process non-responsive
  • Will not verify address
  • Login situation that won't remember you from session to session
  • No way to track points or signup bonus
  • Photo capture for ID backside does not work

Requested features

14 requests
  • Fix app bugs and glitches
  • Improve app UI/UX
  • Allow users to make payments through the app
  • Display dashboards (balance, totals, scheduled payments)
  • Fix two-factor authentication issues
Show 9 more
  • Allow existing users to sign in
  • Improve customer service responsiveness and helpfulness
  • Fix verification email issues
  • Allow cancellation of pending payments
  • Enable point tracking
  • Fix photo capture for ID verification
  • Improve AutoPay feature
  • Allow users to finish application process
  • Provide a phone number for support

In-app purchases

None

Extra

No in-app purchases

None

AMC Entertainment Visa Card

No in-app purchases

Questions

Is Extra free?
Extra is free to download, with no in-app purchases.
Is AMC Entertainment Visa Card free?
AMC Entertainment Visa Card is free to download, with no in-app purchases.
Which has better reviews, Extra or AMC Entertainment Visa Card?
Extra is rated higher. Extra averages 4.6 out of 5 from 9.6K ratings, while AMC Entertainment Visa Card averages 3.7 from 79 ratings.
Do Extra or AMC Entertainment Visa Card have ads?
Extra shows ads; AMC Entertainment Visa Card does not.
Which is updated more often, Extra or AMC Entertainment Visa Card?
Extra ships an update monthly, and AMC Entertainment Visa Card every 2 weeks. Most recently, Extra was updated on October 26, 2026 and AMC Entertainment Visa Card on October 22, 2026.

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