iPhone Screenshots


Build your credit history and earn reward points without a credit check.

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 0.6.194

What's new:

- More information during a card-journey stage

As always, please share your thoughts on all things Extra. We love hearing from you.

Keep it Extra.

Ratings and Reviews

4.6 out of 5
694 Ratings

694 Ratings

Avinash Chilaka ,

Best Option to Build your credit.

I have been using Extra Card for 2 months so far, they reported to my credit companies as my credit score went up almost 100 points, they way the card works is depending on the available balance in your checking account, they would change how much you can spend on a transaction. First they would give you a 100$ spend power and once we finish 5 daily bank transfers which I think is per transaction they would bump you up to a spend power of 300 and then to 500 and then to 800, after that they would give you a spend power of 80% of your checking account balance. If your checking account has a balance of 3000$ then your spend power on your extra card would be 2400$. They transfer money from your checking account after each transaction but it would take at least 3 days to complete that transfer and by the time they report it to the credit companies they it would always show as paid on time and are in good standards which helps building your credit score a lot.
They would charge you a subscription charge which is worthy to pay account to my usage so far.

Leighton Butler ,

The Best Thing to Happen to My Credit in 3 Years

I’ll preface this by saying, I wasn’t raised in the US and didn’t fully understand the importance of credit when I came here. As a result, I made a series of bad decisions when in college as well as when starting my consulting business that resulted in my having a low credit score.

This year, one of my goals was to make a concerted effort to pay off debt as well as significantly increase my credit score so I could get a better vehicle as well as more funding for my business.

Thats when I came across Extra. At first, I was a little skeptical but it had good reviews and the concept made perfect sense. It’s a very smart way to build credit, by just spending like I was going to anyway at least on daily stuff like food or a couple software subscriptions.

I didn’t expect it to make such a huge impact in such a short time, in fact, I wouldn’t believe it if I didn’t see it, but in using Extra alone, I’ve not paid off anything since starting, haven’t opened any more lines of credit, nothing apart from getting Extra, I’ve went up 94 points in the past 30 days alone.

Im almost at 600 again for the first time in about 3 years. Ive pretty much been just using debit for every single purchase or rent or having to putdown ridiculous down payments or security deposits. Im super super glad I decided to use it and I promise you wont be disappointed by it.

Give it a shot and get your credit up!

Panther Predator ,

Definitely helped my credit

I was skeptical at first and I did a lot of research and read a lot of reviews. Obviously you can’t make everyone happy. But I have had it for about 5 weeks. My spending power went up very quickly. I used it on smaller purchases like mobile game transactions and then increased to bigger transactions as my spending power increased. Today I got an email from my credit telling me I got a 22 point increase today from the extra card being added to my account. In just one month it’s went up 22 point. If you use your normal bank debit card often I would definitely recommend getting an Extra debit card so it can report to your credit . Also it takes a few weeks to get your physical card but they give you the virtual card with in 2 days . I definitely recommend giving it a try , especially if your already using a normal debit bank card that does not report to the credit bureau’s.

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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

You May Also Like