EXTRA: Build Credit with Debit 4+

Credit builder + reward points

The Aligned Company

Designed for iPhone

    • 4.6 • 8.7K Ratings
    • Free

iPhone Screenshots


GET THE EXTRA DEBIT CARD The first debit card that builds credit.

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.


▪ 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.


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


Spend reward points on…
▪ Must-have tech

▪ Pinterest-worthy home goods

▪ Books you won’t put down

▪ …and more!


▪ Qualify for an apartment

▪ Buy a home

▪ Get a better interest rate on a car


Is Extra 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 (“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. Extra is responsible for credit reporting and reports on time and late payments

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.

What’s New

Version 3.2.27

Bug fixes and improvements

Ratings and Reviews

4.6 out of 5
8.7K Ratings

8.7K Ratings

Iudez ,

Extra Credit

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.

abs b. ,

i'm 19 and this is a great thing.

first of all, just wanna say they have the BEST support system i have ever had the experience of talking to based on a company. they really do make it so much easier. this really does help me out when building my credit. the app itself has a few bugs when it comes to the rewards page but the member concierge are absolutely helpful for getting anything fixed or even to check on anything. i love their support team. i'm young and this is all so confusing and new to me. credit scared me and the fact that credit is the basis of this economy to have a "nice" life, frustrated me. i'm an adult now and starting my life. i wish i had tried harder to understand it, but this Extra Card has already made me lose my doubt about screwing up and being in debt. i love this company, and this card. i would love this even more so if the spend power was closer to your actual account balance. having a bit of trouble managing all the bills i have that keep getting declined because my spend power is $2 less than a bill. ticks me off but that's just because i'm broke. 😭🤚🏽 all in all, this company and their mission really do fit with us not rich folks. that's more than i can say for a lot of these credit cards. thanks Extra.

89WMatty ,

Great concept, really works!

From the moment I read their business model, I knew this card would work. And it didn’t take long for me to realize that I was right. I’ve been using my Extra Card for only 3 weeks (app only, card is in mail), the first transaction report has already been filed and my credit has shot up 51 points! I understand the reasons to be skeptical, I considered them all before allowing Extra access to my bank account. But this is the real deal, guys. everything has been great so far. The app is easy to navigate, you’ll like the interface, everything is in big lettering, easy to understand and operate. SO SIMPLE. It sends little reminders for things like balance alerts, spend power increases, and, if you’re like me, accidentally leaving your card on FREEZE (another cool feature of the Extra Card is an on/off “freeze card” option found in the app), the support staff are very friendly and helpful, there is a messaging service in the app, it connects you to them pretty quickly and they work FAST to resolve any issue that may come up. If your goal is to build credit, give this a try. For me, I pretty much had nothing to lose, which means everything to gain! Thank you, Extra Card, you guys are great!

App Privacy

The developer, The Aligned Company, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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