Extra

The Aligned Company

About this app

Credit builders, your best life starts with better credit. Swipe the Extra Debit Card daily to help track your purchases, build credit*, earn reward points* on every purchase, and begin building your credit report history.

LEARN MORE
▪ No credit check required
▪ Earn up to 1% back in rewards points*
▪ No interest rates and hidden fees
▪ Made for credit builders
▪ Start building your credit report history
▪ Check out our plans and apply online

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 the next business day
▪ At the end of the month, we total up all of your transactions and report them to credit bureaus as credit-worthy payments to build your credit report history

▪ Credit builder Extra members increased their credit score by an average of 48 pts by regularly swiping and practicing good credit habits.*

DOWNLOAD THE NEW 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 credit builder card management

REDEEM POINTS IN THE REWARDS STORE*

Spend reward points on…
▪ Must-have tech
▪ home goods
▪ Books you won't put down
▪ …and more

A CREDIT BUILDER CARD CAN HELP YOU

▪ Qualify for an apartment
▪ Buy a home
▪ Get a better interest rate on a car

FAQS

Is the Extra Debit Card a Secured Card?
▪ No, the Extra Debit Card is not a Secured Card. Members connect their bank account* so they can build credit* with debit and earn reward points* with the money that they already have.

Why should I trust Extra with my bank account?
▪ We use Plaid to securely connect to your bank account. Plaid uses encryption and internationally recognized security standards to protect your information.

*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. *In order to transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra's services. Extra sets each Cardholder's Spend Power based on a proprietary data-driven risk model, using objective signals to assist in the identification of those Cardholders who intend and are able to pay for their transactions.

*The Aligned Company d/b/a Extra is a technology company, not a bank. Banking services provided by Evolve Bank & Trust or Patriot Bank, N.A. (Member FDIC), pursuant to a license from Mastercard International. This Card can be used everywhere Debit Mastercard is accepted.

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.

*Based on a survey performed by Extra, using data from Experian, studying changes in credit scores for Extra members between March 2021 to April 2022. We compared credit score changes in active Extra members who had a credit score of 650 or lower when they began using Extra, who had no delinquent payments with Extra, and who had no other trade lines at or above 100 percent balance ratio in the past 3 months and compared these members to a control group. Over the 12 month period of the survey, these members increased their credit score by 47.8 points on average; the maximum credit score increase was 203 points. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors, including your history with other financial services organizations.

Ratings and reviews

The Extra Credit Card is a great option for individuals looking to establish or rebuild their credit history. Customer service is A1 and the wait time is not long i really appreciated that I was given excellent customer service. Extra card offers a straightforward path to improving your credit score with No Credit Check Required: Perfect for those with limited or damaged credit. They are transparen, you know exactly what you're paying while they report positive payment history. Thank You Extra!

I was locked out of my account for months. Automated system kept ignoring my attempts to communicate. I googled the company and found out some larger company purchased Extra. They're managing this app terribly and will most likely shut it down soon. Bail out quickly while you can. This has not been benefitting my credit score but continues to bill me.

I've only had it a month n a half and it's already appearing on my credit showing positive results! Im so happy! I just saw my score went up last week when my sister was explaining how credit works and what creditors are looking for. I definitely recommend the experian app too to keep track of your results. It's always good to know your membership is worth it cuz I almost canceled it because money is tight but I'll be keeping it for sure now being able to see it on my credit report.

What's new

performance improvements and bug fixes