Extra vs CleanSlate
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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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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.
CleanSlate
This app helps you manage credit card payments by tracking balances and sending timely reminders. It provides an estimated current balance between statements, ensuring you avoid late fees and interest charges.
- Track all credit cards in one place
- Real-time balance updates
- Payment due date reminders
- Estimated current balance
- Secure account connection via Plaid
- Free to start
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CleanSlate: Credit Card Tracker & Payment Reminders Stay ahead of every credit card payment. CleanSlate connects to your accounts and shows you exactly what you owe, on which card, and when it's due, before it becomes a surprise. Your data is yours. We connect through Plaid, the same technology trusted by major banking apps, and CleanSlate never sees your bank login credentials. We don't sell your data or use it for advertising or targeting. Simple, secure, and built for clarity Bank-level security through Plaid keeps your credentials safe. We only use your data to show you your own balances and due dates. Track every card in one place See real-time balances across all your credit cards, synced automatically so you're never guessing where you stand. Never miss a due date Get reminders before payments are due, so late fees and interest charges stop catching you off guard. See where your balance really stands CleanSlate estimates your current balance between statement updates, factoring in payments and purchases as they post, not just what your last statement said. Free to start Track your cards and due dates at no cost. Upgrade to Pro or Premium to add more than 2 Plaid connections. Terms of Service: https://cleanslatetech.app/docs/terms Privacy Policy: https://cleanslatetech.app/docs/privacy
Screenshots
Verdict
The clearest difference is in-app purchases: Extra at none against CleanSlate's 4. Extra also leads on ratings volume (9.5K vs 6). CleanSlate's advantage is ads (none vs shown) and update cadence (every 4 days vs monthly). On price, monetization model, 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
Both are free to download. CleanSlate sells 4 in-app purchases, starting at $4.99 per month. Extra asks for nothing beyond the download.
CleanSlate holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Extra has 9.5K ratings behind it against 6, so its average is the more settled of the two.
Extra ships an update monthly, CleanSlate every 4 days. The most recent releases landed on October 15, 2026 and October 2, 2026 respectively.
| Parameter | Extra | CleanSlate |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (9.5K ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 63.4% of reviews | — |
| Number of ratings | 9.5K — better | 6 |
| Update frequency | Monthly | Every 4 days — better |
| Ads | Yes | No — better |
| In-app purchases | No — better | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 90 MB | 25 MB |
| Age rating | 4+ | 4+ |
| Developer | The Aligned Company | CLEANSLATE TECHNOLOGIES LLC |
Customer experience
Extra
CleanSlate
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
CleanSlate
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Extra
No in-app purchases
CleanSlate
- Pro (Monthly)$4.991 Month
- Premium (Monthly)$7.991 Month
- Pro (Yearly)$39.991 Year
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- Premium (Yearly)$69.991 Year









