Extra Card
3.54/5.0
Leo Wagner
4/5.0
25, Sep 2025
Simple, Steady, Reliable
Extra has provided a simple, steady, and reliable path to improving my credit. Linking my account was easy, and automatic payments prevent missed deadlines. The app is intuitive, showing clear progress and monthly reporting updates. My credit score has risen gradually and consistently. Rewards are minor, but the main value is credit-building. Customer support is responsive and helpful. Extra is a structured, low-risk tool for anyone looking to grow credit responsibly, offering predictability, confidence, and peace of mind in managing financial habits effectively.
Layla Kim
5/5.0
31, Aug 2025
Safe, Reliable, Effective
Extra is safe, reliable, and effective. Automatic payments keep everything on track, and the app provides clear reporting updates. My credit score has improved steadily, offering tangible proof of responsible financial management. Rewards are minor, but the main focus is building credit. Customer service is helpful when needed. Extra allows growth without overspending or debt, giving predictable results and confidence. For anyone starting out or rebuilding, it?s a structured, low-risk solution that delivers consistent, stress-free, and reliable credit improvement over time.
Logan Bhatt
4/5.0
22, Aug 2025
Practical And User-Friendly
Extra is practical and user-friendly. Linking to my checking account was straightforward, and automatic payments ensure nothing is missed. The app clearly tracks transactions and credit reporting. My score has risen gradually, reflecting consistent credit-building progress. Rewards are minimal, but the primary benefit is steady credit growth. Customer support is responsive and helpful. Extra offers a low-risk, structured approach to credit improvement, providing beginners and those rebuilding a safe, reliable, and effective tool to manage financial habits confidently.
Leslie Wilson
5/5.0
13, Aug 2025
Consistent And Easy
Extra has been consistent and easy to use. Automatic deductions from my bank account ensure timely payments, and the app provides clear updates on reporting activity. My credit score has steadily improved, showing reliable results over time. Rewards are secondary to the primary benefit of credit growth. Customer support has been polite and responsive. Extra allows building credit safely and effectively, offering structured, stress-free guidance while promoting responsible financial habits. For anyone seeking a dependable way to improve credit, it provides consistent results and peace of mind.
Lincoln Taylor
4/5.0
04, Aug 2025
Structured And Dependable
Extra provides a structured and dependable way to build credit. Linking my checking account was simple, and automatic payments make it easy to stay on track. The app clearly shows transactions and reporting updates. Over time, my credit score has improved steadily, giving me confidence in financial management. Rewards are minor, but the main focus is credit-building. Customer support is responsive and helpful when needed. Extra?s low-risk system allows me to manage credit responsibly while avoiding overspending or debt. It?s an ideal tool for beginners or anyone rebuilding credit, offering predictable results, peace of mind, and a reliable method to grow financial confidence.
Laila Johnson
5/5.0
26, Jul 2025
Practical For Beginners
Extra is a practical tool for anyone starting to build credit. Linking to my checking account was easy, and automatic payments ensure on-time reporting to credit bureaus. My score has increased steadily over several months. The app is simple to navigate, showing clear progress updates. Rewards are minor, but the main value is the consistent credit-building. Customer support is responsive and helpful. Extra allows users to grow credit responsibly while avoiding overspending or debt, offering a structured, low-risk, and reliable solution for beginners or those rebuilding financial habits.
Landon Reddy
4/5.0
17, Jul 2025
Clear And Reliable
Using Extra has been clear and reliable. Automatic payments remove worry about deadlines, and the app makes it easy to track activity and credit reporting. Credit improvements have been gradual but consistent. Rewards are minimal but secondary to the main goal of building credit responsibly. Customer support is responsive and polite. Extra provides a structured, low-risk way to grow credit steadily, making it a dependable tool for beginners or anyone rebuilding their financial history. The system promotes good habits while providing peace of mind and confidence in financial management.
Kinsley Fitzgerald
5/5.0
08, Jul 2025
Safe And Effective
Extra has been a safe and effective tool for building credit. Automatic deductions ensure payments are never missed, and the app provides clear updates on transactions and reporting. My credit score has improved steadily, giving me confidence in my financial habits. Rewards are minor, but the main value is consistent credit growth. Customer service is helpful when needed. Extra?s approach allows building credit responsibly without overspending or unnecessary risk. Overall, it?s a practical, dependable solution for anyone looking to grow credit in a structured and reliable way, delivering predictable, stress-free results over time.
Kyle Abraham
4/5.0
29, Jun 2025
Helpful And Straightforward
Extra offers a straightforward and helpful approach to credit-building. The app links directly to my bank account and automatically reports transactions to credit bureaus. Over time, my credit score has gradually increased. The interface is easy to navigate, providing clear updates and progress tracking. Rewards are secondary, and the main benefit is consistent credit growth. Customer support is responsive and polite. For anyone seeking a low-risk, structured method to improve credit, Extra provides reliable results and helps maintain financial discipline without stress or confusion.
Kennedy Jackson
5/5.0
20, Jun 2025
Steady And Reliable
Extra has been a steady and reliable tool for improving my credit. Linking to my bank account was simple, and automatic payments ensure nothing is missed. Each month, reporting occurs consistently, which has steadily increased my credit score. The app is intuitive, easy to navigate, and clearly shows all activity. Rewards are minimal, but the main focus is on building credit responsibly. Customer service is responsive and helpful. I appreciate that there?s no risk of overspending since only funds in my account are used. For anyone starting out or rebuilding credit, Extra provides a structured, low-risk solution that delivers consistent results and confidence in managing financial habits.
Jordan Menon
4/5.0
11, Jun 2025
Reliable And Low-Risk
Extra offers a reliable, low-risk way to build credit. Linking my account was easy, and automatic payments ensure nothing is missed. Monthly reporting happens consistently, and my credit score has steadily improved. The app is intuitive, and customer support is responsive when needed. Rewards are minimal but not the main goal. For anyone seeking a simple and safe method to improve credit over time, Extra delivers consistent results, making it a dependable tool for both beginners and those rebuilding credit. The structured approach provides peace of mind while helping establish responsible financial habits.
Jade O'Malley
5/5.0
02, Jun 2025
Practical Credit Solution
Extra has proven to be a practical solution for improving credit. Automatic payments ensure deadlines are never missed, and monthly reporting occurs consistently. The app is easy to use, making it simple to monitor progress. My credit score has increased steadily, giving me confidence in my financial habits. Rewards are secondary, but the main goal of credit growth is achieved. Customer support has been responsive and helpful. Extra allows building credit responsibly without the risk of overspending or debt. Overall, it?s a safe, structured, and effective tool that delivers consistent and reliable results for anyone looking to grow credit.
Jeremy Chopra
4/5.0
24, May 2025
Clear, Structured, And Helpful
Extra provides a structured and helpful approach to credit-building. The app links directly to my bank account, automatically handling payments and reporting to bureaus. My credit score has improved gradually but consistently. The interface is clear, making it easy to track spending and credit growth. Rewards are minor, and the main benefit is the reliable credit improvement. Customer support responds politely when needed. Overall, Extra is a straightforward, dependable solution for anyone looking to establish or improve credit without overspending or stress, offering peace of mind and consistent results over time.
Joanna Stone
5/5.0
15, May 2025
Steady Growth With Peace Of Mind
Using Extra has been a smooth and reliable experience. Automatic payments remove worry about missed deadlines, and the app clearly tracks every transaction and monthly reporting activity. My credit score has increased steadily, providing tangible evidence of responsible financial management. Rewards are minimal, but the primary purpose ? credit-building ? works perfectly. Customer service is polite and responsive. I feel safe knowing there?s no risk of overspending. For anyone seeking a low-risk, structured way to build credit, Extra delivers consistent, stress-free, and predictable results that improve financial confidence over time.
Jeffrey Agarwal
4/5.0
06, May 2025
Simple And Effective
Extra has made building credit simple and effective for me. Linking my bank account was easy, and automatic payments ensure nothing is missed. The app provides clear updates on transactions and credit reporting. Over time, my credit score has risen steadily, giving me confidence in my financial habits. Rewards are minor, but the main value is consistent credit improvement. Customer support has been responsive and helpful when needed. Extra?s low-risk approach makes it ideal for beginners or anyone looking to maintain control over spending while growing credit responsibly. Overall, it is a practical and dependable solution that delivers steady results without stress or confusion, helping me stay disciplined and confident in managing finances.
Jasmine Chen
5/5.0
27, Apr 2025
Consistent And User-Friendly
Extra has delivered consistent results in improving my credit score. Linking my checking account was straightforward, and the automatic deduction system ensures I never miss payments. The app design is user-friendly, making tracking transactions and credit progress simple. Rewards are small but secondary to the main goal. Customer service has been responsive and helpful. Overall, Extra is a structured, safe, and effective tool for anyone looking to build or improve credit responsibly, giving confidence and predictable growth in financial health.
Ian Ndungu
4/5.0
18, Apr 2025
Reliable Credit Builder
Extra is a reliable tool for building credit. Payments are automatically deducted, and the app clearly shows all activity and progress. Reporting happens consistently each month, and my credit score has improved steadily. Rewards are minimal, but the primary benefit is the credit-building feature. Customer support is responsive and courteous. Overall, Extra provides a low-risk, structured, and dependable way to improve credit, making it a solid choice for beginners or anyone rebuilding financial history.
Iris Rodriguez
5/5.0
09, Apr 2025
Practical And Safe
Using Extra has been practical and safe. The app links directly to my checking account, and automatic payments reduce the risk of missed deadlines. Each month, credit reporting has been reliable, resulting in steady improvements to my score. The interface is simple, making it easy to track progress. Rewards are minor but not the main focus. Customer support has been helpful and prompt when needed. I appreciate that I can build credit without worrying about overspending or high interest charges. Extra provides a structured and dependable way to grow credit responsibly, making it a practical choice for anyone who wants predictable, stress-free credit improvement.
Hayden Iyer
4/5.0
31, Mar 2025
Clear And Structured
Extra offers a clear and structured approach to credit building. Automatic payments from my account keep everything on track, and monthly reporting to bureaus has shown consistent results. The app is intuitive, with easy navigation and notifications that keep me informed. Rewards are limited but secondary to the main goal. Customer support is polite and responsive. The steady increase in my credit score has been encouraging, and the system helps maintain financial discipline. For anyone cautious about traditional credit cards, Extra provides a simple, reliable, and low-risk way to build credit responsibly, with predictable results and peace of mind.
Hailey Kowalski
5/5.0
22, Mar 2025
Steady Credit Improvement
Extra has been an excellent tool for steadily improving my credit. Linking my checking account was simple, and automatic payments ensure nothing is missed. The app clearly shows each transaction and monthly reporting activity. Over several months, my credit score has climbed steadily, giving me confidence in my financial habits. Rewards are minor, but the main purpose is credit-building, which it does effectively. Customer support has been responsive and helpful whenever questions arise. I also like that there?s no risk of overspending since only funds in my account are used. For anyone starting out or rebuilding credit, Extra provides a structured, low-risk, and reliable solution. Overall, it makes managing and growing credit simple and stress-free, and I feel more confident about my financial decisions because of the consistent progress I?ve seen.
Harrison Gupta
4/5.0
13, Mar 2025
Simple Credit Builder
Extra is a simple credit builder that delivers reliable results. Automatic deductions remove stress, and monthly reporting is consistent. The app is easy to use and navigate. Rewards are minimal, but the credit-building benefit is the priority. Customer support is helpful and responsive. Overall, Extra provides a straightforward and effective approach for anyone wanting to improve credit safely and steadily.
Gwyneth Ndlovu
5/5.0
04, Mar 2025
Works Exactly As Intended
Extra works exactly as intended. Automatic payments and clear reporting have helped my credit score rise steadily. Linking to my bank account was seamless, and the app interface is intuitive. Rewards are minor, but the main benefit is credit-building progress. Support staff respond politely when contacted. Overall, Extra delivers consistent, safe, and predictable results, making it a practical choice for responsible credit growth.
Graham Joshi
4/5.0
23, Feb 2025
Steady And Reliable
The Extra card has delivered steady results for my credit growth. Payments are automated, and the app is easy to navigate. Credit improvements are gradual but consistent. Rewards are minimal, but the focus is on building credit safely. Customer service is responsive and helpful. Extra is a reliable and structured option for anyone seeking responsible, low-risk credit-building tools.
Georgia Lee
5/5.0
14, Feb 2025
Simple And Effective
Extra makes building credit simple and effective. Automatic deductions from my checking account ensure timely payments, and the app tracks progress clearly. My score has improved steadily, which motivates consistent use. Rewards are small but not the main goal. Customer support is polite and helpful. Overall, Extra provides a straightforward, dependable path for building credit responsibly without unnecessary stress or complexity.
Finnigan Moreau
4/5.0
05, Feb 2025
Encouraging Results
Using Extra has been encouraging. My credit score has risen steadily thanks to consistent reporting. The app is simple to navigate, and automatic payments remove the risk of missing deadlines. Rewards are minor but secondary to credit growth. Customer support is helpful when questions arise. Extra is a practical, low-risk solution that provides structure and reliability for anyone seeking to improve their financial health gradually.
Peter Clarke
5/5.0
27, Jan 2025
Reliable And Safe
Extra has been a reliable option for improving my credit. Payments are automated, and the app makes it easy to track all activity. Credit increases have been gradual but consistent. The system feels safe, with no risk of overspending. Rewards aren?t significant, but the focus is on credit improvement. Support is responsive and courteous. Overall, Extra is a safe, dependable tool for anyone wanting steady progress in building credit.
Colin Harris
4/5.0
18, Jan 2025
Clear And Useful
I?ve found Extra to be a clear and useful tool for building credit. The interface is easy to use, linking directly to my bank account. Automatic deductions and monthly reporting remove the stress of missed payments. While rewards are minor, the credit-building function works as expected. Customer support is responsive. For anyone seeking a structured, low-risk approach, Extra is a solid choice for steady credit growth.
Henry Brown
5/5.0
09, Jan 2025
Easy To Manage
Extra simplifies credit-building. Payments are automatic, and the app clearly shows all transactions and reporting activity. Credit growth has been steady and predictable, which makes me feel in control. Rewards are minimal but secondary to the main goal. Customer service has been responsive when needed. Overall, Extra is an easy-to-manage, effective tool that provides peace of mind while helping build credit responsibly.
Amrita Singh
4/5.0
31, Dec 2024
Great For Tracking Credit
The Extra app makes it easy to track spending and credit growth. Automatic deductions keep payments on time, which has helped my score rise gradually. Linking accounts was simple, and the interface is intuitive. Rewards are limited, but the main benefit is steady credit improvement. Support staff respond politely to questions. For beginners or those rebuilding credit, Extra provides a structured, dependable way to grow credit without risk or confusion.
Sophie Green
5/5.0
22, Dec 2024
Smooth And Consistent
Extra has provided a smooth experience for building credit. Linking to my checking account was simple, and automatic payments remove the worry of missed deadlines. My credit score has increased steadily, showing consistent results over time. The app is clean and easy to navigate. Rewards are minor, but that isn?t the primary purpose. Customer support has been responsive and helpful. Overall, Extra delivers reliable credit growth while keeping the process simple, stress-free, and secure, making it a practical option for anyone looking to improve their credit responsibly.
Peter Clarke
4/5.0
13, Dec 2024
Works As Expected
Using Extra has been straightforward and dependable. The app is easy to navigate, and automatic payments ensure I don?t miss any deadlines. Credit score improvements have been gradual but consistent, which feels encouraging. Rewards are not significant, but the card delivers on its main purpose. Customer support is responsive. For anyone wanting a simple, low-risk approach to building or improving credit, Extra works as expected and provides steady results.
Lucy Fern?ndez
5/5.0
04, Dec 2024
Practical And Effective
Extra makes building credit approachable and safe. The app is intuitive, linking directly to my bank account and automatically reporting activity to credit bureaus. Payments clear seamlessly, and I?ve seen steady improvements in my credit score. Rewards are minor, but the main focus is on responsible credit growth. Customer support is courteous and helpful. Overall, Extra is a practical tool that balances convenience, safety, and consistent results, making it an effective choice for anyone wanting to improve credit without the risk of overspending.
Benjamin Wright
4/5.0
25, Nov 2024
Reliable And Straightforward
Extra offers a simple and reliable way to build credit. I use it for small purchases, and the automatic deduction system ensures I never miss a payment. The app provides clear updates and keeps track of activity easily. Credit growth has been gradual but consistent, giving me confidence in its effectiveness. While the rewards program is basic, the main advantage is the credit-building feature. Customer service is responsive when needed. For anyone looking for a low-risk, structured approach to building credit, Extra is a solid choice that delivers on its promises.
David Li
5/5.0
16, Nov 2024
Credit Building Made Easy
I?ve been using Extra for a few months, and it?s been a smooth experience. Payments are deducted automatically, and each month is reported to credit bureaus reliably. My score has improved consistently, which motivates me to maintain responsible habits. The app is simple, intuitive, and easy to navigate. Rewards are minimal, but that?s not my main concern. Customer support has been helpful when needed. Overall, Extra is a practical, reliable, and user-friendly tool that simplifies credit building, allowing me to focus on my finances without worrying about missed payments or overspending.
Charlotte Hayes
4/5.0
07, Nov 2024
Simple Credit Solution
Extra has made building credit much less stressful than traditional cards. It links directly to my bank account, automatically handling transactions and reporting. The interface is clear, showing all activity and progress toward goals. While rewards are minimal, the main benefit is the steady increase in my credit score. Customer service is responsive and helpful. Overall, it?s a straightforward tool that balances ease of use with consistent credit reporting. For someone who wants a safe and structured way to improve credit habits, Extra delivers as promised and provides real value.
Derek Campbell
5/5.0
29, Oct 2024
Consistent And Helpful
Using Extra for the past few months has been smooth. The automatic payment system removes stress, and the app clearly shows progress toward credit goals. Reporting happens reliably to bureaus, which has helped my score steadily improve. I also appreciate the simplicity ? there?s no confusion about balances or limits. Rewards aren?t the main appeal, but credit growth is. Customer support is responsive and polite. Overall, Extra provides a dependable, user-friendly way to build credit without incurring unnecessary debt or stress, making it a smart choice for responsible financial management.
Ivy Pavlov
4/5.0
20, Oct 2024
Good For Beginners
Extra has been a helpful tool in establishing and improving my credit history. The setup is simple, and the app is easy to navigate. Payments are automated, so I never miss deadlines. The score increases have been gradual but consistent, giving me confidence in my financial habits. Rewards are minor, but the real value lies in credit-building. Customer support is responsive and polite when questions arise. For someone just starting out with credit or rebuilding, Extra provides a structured and safe way to grow credit responsibly while avoiding unnecessary risks.
Hugo Luthra
5/5.0
11, Oct 2024
Works Better Than Expected
Initially, I wasn?t sure how effective Extra would be, but it exceeded my expectations. Linking the card to my checking account made payments seamless. Each transaction reports reliably to the credit bureaus, helping my score climb steadily. The interface is simple to understand, making monitoring progress easy. While fees exist, the convenience and reliability justify them. I?ve also appreciated the timely responses from customer support. Overall, Extra is a practical and efficient tool for anyone looking to build credit responsibly without worrying about overspending or high interest charges.
Beatrice Schmidt
4/5.0
02, Oct 2024
Easy And Reliable
Signing up for Extra was straightforward, and linking my account was quick. I use it for small daily purchases, and the automatic payments mean I never worry about late fees. Over time, I?ve seen my score gradually increase, which is encouraging. The app is clean, simple to navigate, and provides useful notifications. Rewards aren?t the main focus, but that?s fine. Extra feels safe, and it?s a solid alternative to secured cards. For anyone starting out with credit, this tool offers both guidance and consistent reporting, making it easy to stay on track.
Milo Biswas
5/5.0
23, Sep 2024
Steady Credit Growth
Extra has helped me build credit steadily without the stress of traditional credit cards. The app connects easily to my checking account, and every transaction is tracked automatically. My score has improved consistently over the past few months. The automatic reporting to bureaus removes worry about missed payments. While the rewards aren?t significant, the main benefit is the credit-building feature. The user interface is intuitive, and support has always been responsive. Overall, Extra makes credit growth simple, reliable, and stress-free, and I feel more confident about financial management.
Eliza Mancini
2/5.0
14, Sep 2024
Average At Best
The app design is sleek, and it works fine for transactions, but the benefits are underwhelming. My credit didn?t grow enough to justify paying the yearly fee. Rewards don?t contribute much, and it feels incomplete without reporting to all bureaus. Overall, it?s just an average product that doesn?t give enough for the price.
Oscar Khanna
1/5.0
05, Sep 2024
Not Worth The Hype
Extra was advertised as an easy way to build credit, but my experience was underwhelming. The increase in my score was barely noticeable, and the subscription cost feels excessive. Rewards don?t add value either. Without full bureau reporting, the usefulness is limited. It?s not a scam, but it?s definitely not worth the hype.
Maisie Sowah
2/5.0
27, Aug 2024
Too Slow To Show Results
Even after months of consistent use, Extra only raised my credit score by a few points. That?s too slow considering the cost. The reporting system is limited, and rewards don?t make up for the fee. Customer service wasn?t very helpful either. For me, the results just didn?t match the advertising or the expense.
Calvin Soni
1/5.0
18, Aug 2024
Feels Like A Waste
Using Extra felt more like wasting money than building credit. The score increase was so small it didn?t justify the monthly fee. Support responses felt generic, and the app sometimes lagged updating purchases. For something marketed as a credit builder, it fell short. Other tools would likely give better results for less cost.
Freya Jensen
2/5.0
09, Aug 2024
Not Impressive
Extra seemed like a good alternative to credit cards, but the benefits didn?t pan out. My score moved just a little, and it wasn?t worth the high fee. Rewards are almost useless, and they don?t report to all bureaus. I?d rather spend my money on something with proven long-term results.
Jude Naidu
1/5.0
31, Jul 2024
Didn?t Help Enough
The card functions as promised, pulling directly from your bank account, but it hasn?t made any real difference. Credit gains were minimal, and for the price, that?s not acceptable. I also found support slow to respond whenever I had questions. Extra didn?t deliver what I was hoping for, so I stopped using it.
Sylvie Weber
2/5.0
22, Jul 2024
Too Expensive For Value
Extra?s idea is interesting, but the cost outweighs the benefit. My score barely went up despite steady use. Rewards are tiny, and not reporting to all three bureaus really hurts effectiveness. The subscription feels overpriced compared to other options. I wouldn?t recommend it to someone serious about building long-term credit improvement.
Otis Kapur
1/5.0
13, Jul 2024
Expected More Growth
Signing up was simple, and the app looks clean, but my credit score didn?t grow much at all. The cost adds up, and it feels like wasted money when the progress is this small. Customer service wasn?t helpful either. I think a traditional secured card would give faster, more noticeable results.
Wren Diallo
2/5.0
04, Jul 2024
Minimal Credit Impact
After using Extra for months, I noticed almost no change in my credit. The card deducts money daily like it should, but the improvement wasn?t there. The rewards are insignificant, and it only reports to two bureaus, limiting progress. For the fee they charge, the benefit doesn?t justify continuing. I cancelled my plan.
August Sundaram
1/5.0
25, Jun 2024
Fee Not Worth It
The app connects fine with my bank, but the results don?t match the price. My score barely moved after months of paying the subscription. Rewards are weak, and support takes ages to reply. It?s hard to justify the ongoing cost when secured cards can achieve better credit-building results at a lower price.
June Silva
2/5.0
16, Jun 2024
Just Didn?t Work For Me
I wanted Extra to be the credit-building solution I needed, but it hasn?t been. While the app looks clean and setup was easy, the improvements to my credit score have been minimal. I?ve spent months paying their fee and only seen a small difference. Reporting to two bureaus instead of three really weakens its effectiveness. The rewards are so small that they barely count, and customer support doesn?t provide much help when issues arise. It often feels like responses are copy-paste rather than personal. The concept of spending only what you have is smart, but you shouldn?t have to pay so much for something with such limited results. If it were cheaper, maybe it would be worth it. At the current price, though, it just hasn?t worked for me. I?ll be looking into secured cards or builder loans instead.
Felix Jha
1/5.0
07, Jun 2024
Felt Misled By Promises
Extra?s advertising made it sound like the perfect way to build credit without debt, but my reality didn?t match. After paying their steep fee and using it regularly, my score only ticked up a few points. That doesn?t feel like real progress. The app is fine, though it lacks features that would make the cost worth it. Customer support is slow and unhelpful, usually giving basic replies instead of real guidance. Rewards are minimal, practically useless, and don?t help offset anything. The biggest disappointment is that Extra doesn?t report to all three bureaus, which they don?t emphasize enough up front. That seriously limits how much impact you see. I gave it several months to work, but it never lived up to the promises. In the end, I feel like I wasted both money and time. I wouldn?t recommend Extra to others.
Audrey Rossi
2/5.0
29, May 2024
Average Tool At Best
The idea behind Extra is clever, but the product itself feels average at best. It charges a fee that doesn?t feel justified by the results. My credit score inched up slightly, but the growth has been far too small for the money spent. The app works, though sometimes there are lags when transactions post. Support staff respond, but they usually provide generic, canned replies instead of tailored help. Rewards are meaningless and don?t provide value. Another issue is the lack of reporting to all three bureaus, which is essential for effective credit building. Without that, the progress feels incomplete. While I do like that it prevents overspending, it doesn?t offer enough long-term benefit. I wouldn?t say it?s totally useless, but compared to alternatives that cost less and do more, Extra doesn?t stand out. Overall, it?s an expensive tool that delivers very little.
Sawyer Ganesan
1/5.0
20, May 2024
No Real Benefit For Me
Extra seemed promising when I signed up, but my experience hasn?t been good. The card works like a debit card, and payments are deducted daily, but that didn?t translate into meaningful credit growth. After months of paying the fee, my score only improved a few points. Customer support wasn?t very helpful when I raised concerns, and responses took too long. The app looks nice but sometimes shows delays in updating purchases, which creates confusion. I also didn?t realize at first that it only reports to two bureaus, making progress slower. The rewards program is barely noticeable and doesn?t offset the cost at all. For something that markets itself as a credit-building solution, the value just isn?t there. In hindsight, I think a secured card or credit-building loan would have been more effective. Extra hasn?t given me any real benefit worth continuing.
Isla Moreau
2/5.0
11, May 2024
Small Gains, Big Price
Extra was easy to sign up for, and the app connects smoothly with my bank. But after using it half a year, my score only increased a little. For the money they charge, the results feel too small. The rewards don?t add any value, and reporting to only two bureaus really limits growth. Customer service answers slowly and rarely gives detailed help. I expected faster results, especially for the subscription cost. While I like the idea of spending only what I already have, the actual progress has been underwhelming. Secured cards or credit-builder loans seem like they?d give more complete results for less money. Extra does work technically, but in my experience, it hasn?t been worth the investment. I wouldn?t recommend it unless you have no other options, because the value just doesn?t match the high ongoing fee they charge.
Declan Pathak
1/5.0
02, May 2024
Overpriced And Underwhelming
Extra markets itself as a smart credit-building tool, but my experience has been the opposite. The cost is high for what amounts to a glorified debit card. My credit score hardly improved, despite following the program carefully. Rewards are laughably small and don?t offset the price. The app itself is okay but not feature-rich. What really bothers me is that it doesn?t report to all three credit bureaus. That means the progress you make isn?t even complete, which feels like a huge flaw for something that charges this much. Customer service replies, but the answers don?t provide much substance. Overall, it feels like a product that sounds good on paper but doesn?t deliver in practice. I honestly feel like I wasted money here. There are plenty of other tools that would have been more effective and cost far less than Extra.
Josie Pavlov
2/5.0
23, Apr 2024
Didn?t Deliver Enough Value
When I first signed up for Extra, I thought it would help me finally make steady progress with my credit. The setup process was smooth, and the app looks professional. Unfortunately, the actual improvements have been tiny. After months of use, my score has hardly changed. For the money, I expected more substantial results. Reporting to only two bureaus weakens its effectiveness right away. The rewards program adds almost no value, and customer service isn?t proactive. It feels like a product that charges premium prices for very basic functionality. While I like the idea of spending only what I have, the reality is that it doesn?t do much beyond that. I?m not saying it?s completely useless, but for what I?ve spent, I feel like it hasn?t delivered enough value to justify sticking around with it.
Emmett Chhabra
1/5.0
14, Apr 2024
Felt Like A Waste Of Time
I regret spending so much time hoping Extra would make a difference. The idea of linking directly to my checking account and avoiding debt was appealing, but the actual results were disappointing. My score barely increased, despite consistent use and on-time payments. The app works, but it lacks any features that justify the fee. Customer support was frustratingly slow and often repeated generic advice. The fact that Extra doesn?t report to all three bureaus makes the progress even less useful. Rewards are negligible, and the cost feels far higher than the benefit. In the end, it felt like I was paying for a service that offered very little in return. For anyone considering this card, I?d suggest looking at secured cards or builder loans instead. Extra just didn?t deliver, and I ended up feeling like I wasted both money and time.
Sadie Schmidt
2/5.0
05, Apr 2024
Too Little Improvement
Extra seemed like a solid choice at first. I liked the idea of building credit without worrying about debt. However, after using it consistently for several months, my score barely changed. The improvements have been so small that they don?t justify the cost of the subscription. The app is easy enough to use, but it?s very limited in features. I would have expected more insights or tracking tools for the price. Customer service replies, but they don?t offer much in the way of real solutions. It?s also disappointing that they don?t report to all three bureaus, which slows progress. Rewards are almost non-existent, so there?s nothing extra that makes the cost feel worth it. While Extra technically delivers on its basic promise, the results are too weak for me to continue. I see better alternatives available for anyone needing real credit-building support.
Henry Balakrishnan
1/5.0
27, Mar 2024
Not The Credit Boost I Expected
Extra was marketed as a tool to build credit responsibly, but the actual results were minimal. My score only rose by a handful of points after months of use. The app functions fine, though I did notice occasional delays in transaction updates. Customer service was polite but generic, with slow replies that didn?t answer my concerns. The biggest letdown was realizing it only reports to two credit bureaus instead of all three. That feels like a major limitation for a service that charges so much. Rewards are basically useless and don?t add real value. Overall, it feels like paying a premium for very little benefit. There are cheaper and more effective ways to build credit. If you?re serious about improving your financial standing, I?d recommend looking elsewhere before committing to Extra. For me, it didn?t provide the boost I was hoping for.
Willow Mancini
2/5.0
18, Mar 2024
Underwhelming Experience
While Extra technically functions as promised, my overall experience has been underwhelming. The app looks modern, and connecting my bank account was easy, but that?s where the positives end. My score improved slightly, yet not nearly enough to justify the ongoing fees. For something marketed as a credit-building tool, the lack of three-bureau reporting feels like a big drawback. Rewards are practically meaningless and don?t offset the cost. I also found customer service slow to respond, often giving vague replies instead of concrete solutions. After several months, it feels like I?ve paid a lot for very little. The concept of spending only what you have makes sense, but the value just isn?t there when results come so slowly. I wouldn?t say it?s useless, but it?s far less impactful than the advertising suggests. Overall, my time with Extra left me unimpressed and unsatisfied.
Silas Goel
1/5.0
09, Mar 2024
Very Limited Value
Extra was supposed to make building credit easier, but the outcome for me hasn?t been positive. The card works like a debit card with automatic deductions, but the actual benefits are minimal. My score didn?t change much after months of consistent use, and that was the main reason I signed up. The fee feels expensive considering the weak results. Rewards aren?t meaningful, and customer support isn?t fast enough when problems arise. Also, the fact that it only reports to two bureaus limits its effectiveness. If you?re paying a premium price, you expect a product to work across the board. For the money, secured cards or even credit-builder loans provide better and more reliable results. I regret spending as long as I did waiting for progress that never really showed. Extra just didn?t give me the kind of credit growth I needed or expected.
Penelope Sowah
2/5.0
29, Feb 2024
Too Expensive For Minimal Benefit
Using Extra was fine at first. Setup was easy, and the app worked without major issues. But after paying the fee and giving it several months, my score hasn?t improved much. We?re talking less than ten points, which doesn?t feel like progress worth paying for. Extra claims to help, but the results don?t match the hype. I also think it?s misleading that it doesn?t report to all three bureaus. That makes it feel incomplete as a product. Rewards are weak, and customer service feels generic, so you never get detailed answers. In the end, the whole thing feels overpriced for what you get. I expected real growth or at least stronger features, but it hasn?t delivered. If you?re serious about building credit, you might be better off with a secured card that offers broader reporting and better returns for the money.
Leo Dhawan
1/5.0
20, Feb 2024
Felt More Like A Gimmick
At first, Extra looked like a clever idea, but the reality wasn?t nearly as impressive. The service charges a high fee for something that basically acts like a debit card with reporting. My credit score barely budged, and the growth I saw didn?t justify the expense. The app works okay but sometimes feels clunky. Rewards don?t add any real value and seem like an afterthought. What frustrated me most was the lack of reporting to all three credit bureaus. That means you?re paying full price but only seeing partial results. Customer service is polite but unhelpful, often giving canned replies instead of meaningful support. For me, it feels more like a marketing gimmick than a serious credit-building tool. I stuck with it long enough to know it wasn?t delivering. There are definitely better ways to invest money in rebuilding or improving credit.
Aurora Jensen
2/5.0
11, Feb 2024
Didn?t Meet Expectations
Extra promised a straightforward way to build credit, but it hasn?t lived up to what I hoped. My score moved slightly, but not enough to justify the ongoing fee. The app is designed simply, yet it lacks advanced features that might make it worth the cost. I noticed occasional lags in updating transactions, which can be stressful when you want to track things clearly. Customer support isn?t terrible, but they take longer than expected to resolve issues. Only reporting to two bureaus really limits the progress too. For the money I?m spending, I expected faster results and better support. It?s not a total failure, because technically it does report and function, but for the price, I believe there are more effective tools. Secured cards or credit-builder loans may be better long-term. Overall, Extra just didn?t deliver on the expectations I had.
Theodore Abraham
1/5.0
02, Feb 2024
Poor Value Overall
I tried Extra because I didn?t want to risk debt with a traditional credit card, but my overall impression has been negative. The idea is good, but execution falls short. The annual fee is high, especially considering the lack of noticeable progress. My credit score went up maybe five points in four months, which doesn?t justify the cost. The rewards are extremely limited, almost pointless, and don?t help balance the expense. The app occasionally glitches, making it harder to track activity. I also dislike that it doesn?t report to all three bureaus, which slows down potential improvements. Customer support feels generic, like they?re reading from a script rather than solving issues. In the end, I don?t see Extra as good value. There are cheaper, more effective ways to build credit without paying this much for so little in return.
Eleanor Weber
2/5.0
24, Jan 2024
Customer Service Needs Work
Using Extra seemed straightforward, but my experience has been mixed. The app itself is fine, though not particularly innovative. Transactions usually post on time, but I?ve had a couple of issues where payments didn?t appear correctly, which caused stress. Contacting customer service wasn?t easy?responses were delayed and lacked detailed explanations. For something designed to build confidence in managing credit, slow support creates the opposite effect. On top of that, the cost feels too high for the limited features offered. My credit score increased slightly, but not enough to make the fee worth it. Reporting to only two bureaus also makes progress slower than expected. I kept hoping the results would justify the investment, but after several months, I?m disappointed in the overall value. Extra does technically function, but it doesn?t provide enough benefits for the money or effort.
Jasper Ahuja
1/5.0
15, Jan 2024
Unexpected Fees And Frustration
Extra was promoted as a safe, simple way to build credit, but I quickly realized it comes with downsides. The first frustration was the cost. The monthly or annual fee feels steep for what you actually receive. My score barely moved, despite using the card regularly and responsibly. The app design looks fine, but sometimes transactions lag or don?t update right away, which creates confusion. Customer support wasn?t especially helpful when I reached out, often providing generic responses instead of clear solutions. Another issue is that Extra only reports to two bureaus, so progress doesn?t show everywhere. For something that costs this much, I expected more comprehensive service. After trying Extra, I think secured cards or other credit-building tools might provide better results. This card just didn?t live up to the promises and left me more frustrated than encouraged.
Lucy Diallo
2/5.0
06, Jan 2024
Progress Too Slow
Signing up for Extra was easy, and the concept made sense. But after using it consistently, I found the actual improvement to my score very underwhelming. Over half a year, my score only climbed around ten points, which doesn?t justify the money I?ve paid in fees. The app is functional but feels barebones, with limited features beyond simple reporting. Customer support often takes a day or two to respond, which gets frustrating when you need quick answers. The rewards program is minimal and not a good enough reason to stay. I expected more noticeable growth and better communication from a company focused entirely on credit building. While Extra does technically do what it says, the results are far too slow for the cost involved. It feels more like an expensive experiment than a reliable financial tool.
Finn Bhatia
1/5.0
28, Dec 2023
Not Worth The Expense
Extra sounded like a smart solution, but after using it several months, I?m not convinced. The annual fee is high compared to the actual results. My score only went up a few points, nothing dramatic. The app is decent, though I?ve seen occasional glitches when checking transactions. Customer service is polite but slow to resolve anything. I also dislike that Extra only reports to two bureaus instead of all three, which limits the benefits. Rewards don?t add much value either, so it feels like paying for something that delivers very little in return. For the same cost, secured credit cards offer broader reporting and better long-term results. I stuck with Extra longer than I should have, hoping to see real growth, but the progress never came. Overall, it hasn?t justified the cost or effort.
Clara Silva
5/5.0
19, Dec 2023
Very Happy With Results
My experience with Extra has been very positive. I like knowing every purchase is backed by money in my account. This keeps spending under control while improving my score. The app is easy to use, and everything updates quickly. The cost feels justified because the progress I?ve seen with my credit has been meaningful.
Milo Mehra
4/5.0
10, Dec 2023
Straightforward Credit Growth
Extra does exactly what it says. It pulls from my account and then reports to credit bureaus. My score climbed steadily, which was my main goal. The rewards aren?t great, but that isn?t why I joined. Customer service is professional when needed. Overall, it?s a straightforward solution for building a solid credit foundation.
Violet Rossi
5/5.0
01, Dec 2023
Very Smooth Process
From applying to daily use, everything about Extra has been smooth. It didn?t require a security deposit, which I appreciated. Purchases clear quickly, and reports show up monthly. I?ve gained points steadily. The app is designed well, with no confusion. For someone avoiding traditional debt, Extra gives an easy way to move forward financially.
Asher Majumdar
3/5.0
22, Nov 2023
Decent But Not Amazing
Extra functions as promised, and my credit has improved. However, the pace is slower than I hoped. The app is user-friendly, and setup was quick. The fee is the biggest drawback for me. While it?s decent for learning better habits, I may switch later to something with lower costs and better rewards.
Nora Moreau
5/5.0
13, Nov 2023
Excellent For Beginners
This card is great for someone just beginning with credit. No hard check made sign-up painless. Extra only spends what?s already in my account, so I avoid debt. My score went up steadily, which gave me confidence. The app is simple and provides useful updates. It?s a smart tool for early credit building.
Wyatt Kulkarni
4/5.0
04, Nov 2023
Helpful Step Forward
My score was stuck until I tried Extra. Within two billing cycles, I saw positive changes. It reports reliably to bureaus and helps me stay disciplined. Linking my bank account was easy, and the app has been glitch-free so far. While not the cheapest option, it?s effective for creating a history of responsible payments.
Alice Pavlov
5/5.0
26, Oct 2023
Credit Score Climbing
After using Extra for six months, my score has gone up almost 40 points. The process is simple and transparent. Automatic withdrawals mean no missed payments. The rewards are small, but that?s fine since the real goal is building history. For anyone starting out, Extra gives a straightforward way to make consistent progress.
Nathan Verma
3/5.0
17, Oct 2023
Useful Tool But Costly
Extra helped my score by a small margin in three months. The card connects easily to my checking account, and the app works smoothly. My main concern is the fee, which feels high. For someone with limited credit options, it?s still useful. I?ll keep using it short term, but long-term value is questionable for me.
Ruby Schmidt
4/5.0
08, Oct 2023
Pretty Good Experience
Using Extra for everyday purchases has been simple. The automatic system handles payments, and my credit reports show progress. The rewards program doesn?t stand out, but the real value is the credit growth. Customer support answered my questions within a day. I see it as a good choice for someone nervous about traditional credit cards.
Isaac Srinivasan
5/5.0
29, Sep 2023
Safe Way To Build Credit
Extra lets me grow credit without debt risk. Payments are withdrawn daily, so balances never linger. My score improved steadily over four months. The setup was fast, and I like the clean app design. The yearly fee is worth it for peace of mind and consistent reporting. Overall, it feels safe and effective.
Hazel Dubois
4/5.0
20, Sep 2023
Clear And Reliable
What stands out most to me is consistency. Extra deducts payments on time, and monthly reporting always shows up. My score has risen by around 20 points. The app is intuitive, and customer service answers politely. While rewards don?t excite me, credit building is why I joined. It?s reliable, and I trust the system.
Gabriel Kaur
5/5.0
11, Sep 2023
Exactly What I Needed
For someone who didn?t want a traditional card, Extra has been perfect. My score has improved steadily, and I never worry about interest charges. The app is straightforward, and payments happen automatically. Support responded quickly when I had a question about linking accounts. It?s simple, effective, and exactly what I needed to get started.
Stella Jensen
3/5.0
02, Sep 2023
Good But Could Improve
Extra has helped my score, though not dramatically. The app is simple to use, and the concept makes sense. My main critique is the cost, which feels high compared to secured cards. Still, I like that I don?t risk carrying balances. If rewards improved and fees lowered, it would be an even stronger product.
Owen Puri
4/5.0
24, Aug 2023
Credit Building Without Stress
Traditional credit cards stressed me out, but Extra feels manageable. I spend small amounts daily, and the app automatically pays them off. Over three months, my score has improved gradually. The annual fee is noticeable, but I view it as a trade-off for consistent credit reporting. For beginners, this is a friendly introduction to credit.
Scarlett Sowah
5/5.0
15, Aug 2023
Easy Sign-Up, Clear Results
The sign-up took just a few minutes, and connecting my bank account was seamless. I was nervous about hidden fees, but everything is explained clearly. The app dashboard is easy to understand, showing how payments are handled. My credit score went up faster than expected, and the peace of mind of no interest makes it valuable.
Caleb Setty
4/5.0
06, Aug 2023
Nice Credit Boost
My score improved steadily after a few months. I use the card mainly for recurring subscriptions. The automatic deduction process is convenient, and reporting has been consistent. I wish it reported to all three bureaus, but two still help. For me, the benefits outweigh the fees, especially since it helps build financial confidence.
Zoe Mancini
5/5.0
28, Jul 2023
Great For Responsible Spending
I like using Extra because it keeps my spending under control. Everything is deducted from my account right away, so I never overspend. Watching my score climb month by month has been rewarding. Signing up was simple, and I didn?t need a credit check. The concept makes sense for anyone cautious about traditional credit cards.
Nathan Choudhury
3/5.0
19, Jul 2023
Works, But Limited Rewards
The system behind Extra is straightforward. Purchases come out of my bank account daily, and payments are reported monthly. My score has risen, though slowly. The main downside for me is the rewards, which aren?t very competitive. Still, the purpose of the card is credit building, and in that sense, it succeeds reasonably well.
Layla Diallo
4/5.0
10, Jul 2023
Decent Credit Builder
Extra isn?t perfect, but it does the job. My score improved gradually, and the app is easy to navigate. The yearly fee feels a little steep, yet I see it as payment for reliable reporting. Customer support answers questions politely. If your main goal is credit growth, Extra provides that without unnecessary complications.
Ryan Malick
5/5.0
01, Jul 2023
Helped My Score Quickly
Within two months, my score went up by 30 points. I like that I only spend what I have, so no interest charges pile up. Extra reports consistently, which is the whole reason I signed up. The card feels safe and simple to use, and I?m glad I tried it out.
Madison Weber
5/5.0
22, Jun 2023
Smooth Experience So Far
From sign-up to daily use, Extra has been smooth. It didn?t require a hard credit check, which made it easy to start. Linking my bank account was straightforward, and the app is user-friendly. The automatic payment system removes stress. My credit score shows steady improvement, and I feel more secure about financial decisions now.
Anthony Varghese
4/5.0
13, Jun 2023
Good For Building Habits
Extra encourages me to stay consistent with spending and payments. I set it up for smaller purchases, and everything clears automatically. My score has improved gradually, which is all I wanted. The rewards program could be more exciting, but credit building is the main purpose. For anyone needing structure, Extra provides reliable support.
Sarah Silva
3/5.0
04, Jun 2023
Useful But Pricey
I?ve been using Extra for three months. My credit score has gone up slightly, which is encouraging. However, the monthly fee feels high compared to the progress. The app itself is straightforward, and linking the card was easy. I?ll keep testing it for now, but I?m not sure long-term value matches the ongoing cost.
Joshua Saxena
5/5.0
26, May 2023
Practical And Helpful
Using Extra feels like a practical approach to money. It lets me build credit without overspending. The card limits me to what?s in my account, so I stay disciplined. Automatic reporting helps my score climb gradually. The fee is noticeable, but I consider it an investment in my financial health. Overall, it?s worth using.
Hannah Lee
4/5.0
17, May 2023
Solid Option For Beginners
Credit was something I avoided because of interest and debt risks. Extra makes the process simple. I use it for groceries and recurring bills. Payments are deducted automatically, and everything reports on time. Support is responsive, though weekend replies take longer. I would prefer more reward flexibility, but for building credit, this card works well.
Christopher Bajaj
5/5.0
08, May 2023
Great Alternative To Secured Cards
I didn?t want to tie up money in a security deposit, so Extra was appealing. It connects directly to my checking account, and purchases are covered daily. Watching my score rise each month has been motivating. Rewards are minor, but that isn?t my main reason for using it. The credit-building feature delivers strong value.
Eleanor Jensen
4/5.0
29, Apr 2023
Easy To Understand
The design of the app is clean, which helps me track spending and payments. I like that everything is automated so I don?t forget deadlines. Extra only reports to two bureaus, which is a limitation, but results are visible anyway. The monthly fee seems fair considering the benefits. Overall, it?s working as expected.
Andrew Krishnan
5/5.0
20, Apr 2023
Reliable Credit Growth
After struggling with secured cards, Extra gave me peace of mind. It works like a debit card but still reports monthly payments. I?ve seen steady increases on both Equifax and Experian. The process is clear, and I never worry about carrying a balance. For anyone rebuilding credit, this system feels safe and consistent.
Lily Schmidt
4/5.0
11, Apr 2023
Good Starter Option
Using Extra for several months improved my score about 25 points. The app links easily to my bank account, and purchases post quickly. Customer support is friendly, although sometimes a little slow. I think the rewards could be better, but overall it?s a solid option for people who want to start building credit safely.
Michael Rao
5/5.0
02, Apr 2023
Simple Way To Build Credit
Extra works as advertised. It lets me use money I already have while reporting activity to credit bureaus. Payments are automatic, so no worries about forgetting. The app is easy to use and updates regularly. Fees exist, but for me the steady growth in my score has been worth it.
Extra Card
Today, more than 100 million Americans either don't want or can't get a credit card, and with good reason. Credit cards can lead to overspending, high interest rates, and growing debt. Yet, a strong credit score remains important for major goals like buying a home or qualifying for better loan terms. Extra offers a new approach to building credit. It works like a debit card while helping you improve your credit score with no credit checks, no interest, and no hidden fees. It's a simpler, more responsible way to move toward your financial goals.
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United States
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extra.app
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