Extra

The Aligned Company

About this app

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.

Ratings and reviews

Constant disconnect from my "popular" bank. This app, for whatever reason, disconnects from my bank. To which you would think is an easy fix, but no. The app has a bug or a lack of processing that when you try to "update" your bank information it doesn't work. Literally, I have pressed "change my bank" a bunch of times and nothing happens. So updating my info, because payments are taken out automatically, doesnt work. And they won't let you make a payment unless you connect to your bank.

Here's the deal people. I got Extra because I had no credit. I was 18, and it helped a lot. My credit increase slowed down to about a point a month, at which I finally decided to cancel Extra. That's when the nightmare began. I cannot close my account. They keep telling me I have "pending transactions" that say complete on my view, and they're not pending in my bank. They even had the nerve to charge my membership again, and won't lock my account so nothing else hits it.

Update to my previous review: I was able to reconnect my bank, but had to call my bank directly, as no concierge was able to give me a reason as to the issues. Extra actually helped me improve my credit score for the months that I used it, and the concept is brilliant. That being said... my bank is suddenly 'not compatible,' with Plaid (who Extra uses to verify banking info, etc.), with no explanation.

What’s new

Improved enrolling into Credit Monitoring