extra.app

4.6
4.6 Based on 160 reviews

Today, over 100 million Americans don't want or can't get a credit card... and we understand why! Credit cards come with cons. Like overspending, high-interest rates, inaccessibility, and mountains of debt. But, a great credit score can change lives. Esp...

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Average Rating

4.6

/
5

160 Reviews

5 Star
84%
4 Star
7%
3 Star
1%
2 Star
1%
1 Star
8%

All Reviews

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Review Time

Saul Morgan
Poor customer service and policies

They are unwilling to assist with the most basic issues and once you close your account you can never open another down the line which they fail to mention.

1
Date of experience: Jul 08, 2025
Annette Long
No customer service help at all

I've been messaging and emailing them for 2 days to cancel membership - no one is helping They will be increasing membership from $8 to $20What kind of a robbery is this?

1
Date of experience: Apr 14, 2025
cubie0281
disconnects from my bank the app does…

disconnects from my bank the app does not work to reconnect, at allm concierge rude, endless questions no one fixes problem....Awful company....

1
Date of experience: Jan 16, 2025
Tyson Butler
SCAM!!!

I feel scammed, this company stopped working with the card "due to supposed improvements" and they ask me to validate my ID and address data again in order to reissue a new card, where they send me a link to do so via email that does not work. It has been 4 weeks since the problem existed and they do not provide solutions, they only say that you have to wait, this seems intentional.

1
Date of experience: Jan 15, 2025
Lincoln Morris
They will freeze your card without telling you and cost you late fees and money

I had a dispute regarding an accidental purchase I made on an app. I could not find the receipt from the App Store in my email which was needed to get a refund from the app itself. I used my Extra card to accidentally make the purchase it’s what’s connected to my Apple Pay. Fast-forward the conversation goes. I let them know at Extra that I made an accidental purchase. Fast-forward a few more days and my phone bill and all of these other purchases are being declined by Extra. I delve into it a bit and discover that the extra representative that I was speaking to took it upon herself to freeze my card without even telling me. I was not asked if I wanted to freeze my card I was not informed that my card was being frozen. They just did it and transactions were declined. I have auto pay set up for my phone and I get a discount for it, which I will not receive because of this employee overstepping. This isn’t the first time something like this has happened. Previously, I had an employee from Extra completely canceled the card that I had marking it lost or stolen. I don’t even remember what the issue was, but it was nothing at all that would’ve prompted such a response. I was also not informed that the card was canceled and when that happened, I received multiple late fees for accounts that were supposed to go out through Extra. This company has cost me money for no reason. Their employees do not seem to think it’s important to let you know that you cannot use or access a card that you have with them. Racking up fines and late fee fees because of their ignorance and negligence. I am beyond sick of this company. I’ve written them multiple times today and I cannot get a response. I’ve tried calling them. You cannot get through to a person they only allow you to leave voicemails in which they claim that they will call you back within 24 hours. So it doesn’t matter if you have an urgent situation at hand, they will not get back to you promptly. Card place as a joke I’m about to cancel with them. The only reason I even kept the card was because of the gift cards and they no longer have those so it’s basically useless. It’s done nothing to help my credit whatsoever. It’s just a waste of money.

2
Date of experience: Jan 13, 2025
Tod Price
I Highly Do Not Recommend This it is a…

I Highly Do Not Recommend This it is a waste of $25 a month it hasn't helped my credit score go up at all since I've signed up they don't report to the credit bureau like it says they do. it is a total waste of money! I've had more progress with other credit repair companies at a whole lot cheaper price and i actually see where they report. Extra hasn't helped me at all its a waste of money

1
Date of experience: Dec 26, 2024
Marcus Reed
Excellent Experience with Extra Credit Card

I’ve been a member of the Extra credit card since October 2023, and it’s been nothing short of a great experience. The card offers fantastic perks, including easy credit-building, which has really helped improve my financial standing. What stands out the most is their outstanding customer service. Whether I’ve needed to dispute charges or had general questions, they’ve always been quick, professional, and helpful.Extra also has a system in place for financial hardships, reaching out to work with you to stay on track, which shows they genuinely care about their customers’ well-being. They offer credit increases based on your trustworthiness, which is a great incentive to use the card responsibly. Overall, I highly recommend Extra for anyone looking to build credit with added peace of mind and excellent support.

5
Date of experience: Oct 05, 2024
Hannah A.
Extra has been great

Extra has been great! I like that it links to my account but helps my credit! Customer service is great too!

5
Date of experience: Sep 23, 2024
Esty M.
Extra has been very helpful in all…

Extra has been very helpful in all aspects. Their chat help is always top notch.

5
Date of experience: Sep 19, 2024
Spencer Smith
My representative Mark was very helpful…

My representative Mark was very helpful & efficient. He solved my issue in a matter of minutes with no hassle or long wait. Loving the app so far!

5
Date of experience: Sep 17, 2024

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Business Details

  • Today, over 100 million Americans don't want or can't get a credit card... and we understand why! Credit cards come with cons. Like overspending, high-interest rates, inaccessibility, and mountains of debt.

    But, a great credit score can change lives. Especially with important long-term goals, like securing a housing mortgage, or getting the best possible repayment plan on your big purchases. Despite this, there are very few credit-building alternatives. Enter Extra.

    Our mission is to create a safer, more accessible credit experience with the ease and predictability of a debit card. With Extra, you can relax as you work towards your long-term goals and avoid the pitfalls and traps of a credit card—no credit checks, no interest rates, and no hidden fees.See more

  • language https://extra.app

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