I rarely leave reviews even for apps that I enjoy, but for Extra I will. I’d start by saying Extra has one of the best, if not the best support systems out of any company I’ve interacted with which is of course probably hundreds. It kind of feels out of a sci fi movie occasionally with how swift and convenient it is. I also dislike the general concept of credit, and I’ve heard too many a cautionary tale to be using credit for things that I can’t buy with cash or debit. This has led to a history of little credit usage, which unfortunately with capitalism makes it difficult to get things like low rate mortgages or other credit cards with plenty of rewards for specific things. This means that Extra is perfect for building credit history for the frugal. Unfortunately, I’m not too sure of the rewards points system and how it stacks up versus using debit cards with cash back. I have a debit card I primarily use for large purchases because it offers decent cash back and other discounts on businesses. I use my Extra card primarily for recurring purchases so that I don’t expect the cost to change much. The rewards system might be worth taking another look at, but could maybe also use improvement to make Extra more enticing than other cards with rewards. I might use it more! All that being said, the app and the card get a 5/5 from me.

First great thing is credit reporting; even though I have a credit card now I still use Extra for almost all my debit transactions because it really works. It’s not supported on Venmo☹️, but it works great everywhere else. They don’t report to TransUnion but they do to Equifax and Experian. My scores are better off for them for sure. Second great thing is Extra’s 24 hour customer service. The agents are always kind, knowledgeable, and efficient. The intake robot that sort of “directs your call” right? It’s the smartest receptionist I’ve ever seen like I’m not clawing my eyes out using this thing! The app is well-designed, straightforward, everything makes sense. The knowledge base and FAQs built in are great too. I have used the rewards system this year and I enjoy it. I’ve entered a giveaway because I had nothing better to spend my tokens on; but the points accumulated nicely for me. There’s some neat trinkets in the extra store and I like how I can apply all my points to cover any reward in whole or in part—as in I can pay the difference. So I’m not stuck waiting to reach a points balance for something I want. The inventory in the points store stays very fresh too, and relevant items. The option to earn rewards is like an extra $10/year on top of the $99 membership fee. A year is a long time! I would say it’s paid off very well, especially as a young adult with a short credit history. I will probably not renew on my rewards portion, because I pay my rent through venmo and not much else through my debit card. But if Extra gets supported on venmo I might go back to it.

I can say with confidence that services like Extra, Self, Creditstrong,Dovly, by combining them it give me almost 5k of revolving credit which helped me bring down 125% utilization to 34% in matter of 3 months prepaid cards that provides secure credit and reports to all 3 sectors, the money u spend deposits it on secured credit pay ur utilities and subscriptions using that card, another amazing subscription grow credit get it cost nothing it will approve u least $15 max depends on ur credit $200 to pay for all subscriptions and it reports it cost nothing 80 points in just 3 months going from 460 to 556 there is been fluctuation but mostly positive and no one will tell you. But if u follow this advice u will thank ur self not me ur self for being able to get ur self a car, and some day a home, and with the credit of 620 my actual FICO not free 3.0 through credit Karma or Experian and I got my own truck felt better then sex and every men should feel that this everyday life will hammer u to the point to go homeless but if u value credit at young age and use it responsibly u can live on that credit until u figure ur way… not just that credit is ur value and worth in society they don’t know John Doe but they know ur through that # 700 and above 800 u can take loan for over 200k without collateral now there sites accumulate all these payments that borrowers will be confused of score can be low but the share accumulation of all these payments to some one who reads it with intend to sell u will walk out with whatever that item is.

I’ve had this app for a few months and I love it! I pay a membership fee monthly, and they sent me a card (aesthetically pleasing btw) it’s connected to my bank account and the more money I have in my bank account, the more I am allowed to spend with my Extra card. They allow me to spend a percentage of my bank balance on the Extra card, then they take the purchases I made out a few days later, like a line of credit. It keeps me from over-drafting my bank account because it only allows me to spend a percentage of my balance, not the whole thing. If I am in danger of overdraft, I am shown that and I don’t spend. I had an issue with my connected bank account number bring compromised and I couldn’t make my daily spend because someone had taken money out. They were BEYOND UNDERSTANDING, and let me connect a new account, then when my payment is verified I can continue to use the card. I have had my payment bounce back several times and they are still giving me the chance to pay and are not even threats to close my account! I have been asking questions through the membership concierge all day and they respond immediately, and are so very thorough and helpful I wound up having around 6 agents or more contact me to make sure I had no questions or concerns. Finally, Ryan, Explained to me something that was confusing me and I couldn’t be happier with this company. They are so helpful it’s almost TOO helpful! Joking, but they are giving me so many opportunities and increasing my spending limit constantly. It’s really helpful to be able to use their card and be trusted enough to be “Lent” the money for a week, and reporting this to credit monitoring agencies which is helping my credit.