Build credit with debit‪.‬

Thingy Thing Inc

Designed for iPhone

    • 4.5 • 3.7K Ratings
    • Free

iPhone Screenshots


Today, there are over 100 million Americans who don't want, or can't get a credit card. Yet there are very few alternatives for establishing your credit other than with a risky Credit Card. Our mission is to make credit building safer and more accessible for everyone. Extra is the first debit card that builds your credit history and earns rewards points just like a credit card.

What’s New

Version 2.1.2

Fixes and updates.

Ratings and Reviews

4.5 out of 5
3.7K Ratings

3.7K Ratings

MissHotchic1 ,

It’s better than some of these other Credit Cards out here

I got the Extra Credit card to build credit. I’m not too concerned about the Extra Rewards points you get because this credit card strictly allows you to spend whatever you have available in your bank account only. That’s a good thing because you don’t have to worry about paying the fees and interest that a credit card comes with. The down side of this Credit card is you get only what you give to it. It’s like you’re using the Extra card instead of your debit card and there’s no overdraft on it or anything if it ain’t in your bank account then you can’t spend it off this credit card I guess that’s a good thing too and the card is supposedly to pay itself back by using your money that you put on the credit card and reports your activity to the credit bureaus that’s not too bad but the problem I’m having is that I’m always low on cash so I don’t use it often. I forget to use it instead of my debit card and I never earned enough rewards points to buy anything from the Extra Rewards store anyway so I just pay the $8 monthly subscription fee and hopefully I will start to see some change in my credit score Change for the better. Thanks Extra

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, Thingy Thing Inc, 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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