The Company

Why does Extra exist?

Today, over 100 million Americans 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, smarter, 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.

How does Extra work exactly?

  1. You sign up by connecting your bank account and are given a spending limit based on your real-time balance with no credit check.

  2. When you swipe your Extra Card, we spot you for that purchase and automatically pay ourselves back the next business day.

  3. At the end of the month, we add up all of your purchases and report them to the credit bureaus as credit-worthy payments.

    And there you have it, debit that builds credit!

How does Extra make money?

Most credit products make money from predatory interest rates, hidden fees, and selling your data. (even the "free" ones).


We believe in upfront and transparent pricing, so Extra only charges a flat monthly subscription rate starting at $7. This way, we can give our members peace of mind by building their credit with the money they have and never having to worry about steep interest fees or their data being sold.

How am I being protected with Extra?

Think of Extra as an added layer of security; we handle things like disputes or fraud before your bank account is affected in most cases.

Do you offer fraud alerts?

We send you a real-time notification for every purchase made with your extra card. Notified about a purchase that you didn't make? Let us know asap.

Are you FDIC insured?

Yes, our partner bank is FDIC insured.

How does Extra compare to a Secured Credit Card?

Secured Credit Card:

• Requires you to deposit your line up front ($$$)
• Credit check

• No reward points
• Charges up to 17% interest
• Limited credit score impact because you are fronting your own line.

What makes Extra different than other debit cards?

Most debit cards don’t offer rewards everywhere you swipe and have no ability to build or establish credit. Extra is the first debit card that lets you earn both in real-time. We give you the best parts of a credit card while spending the money that you actually have. Big banks don't do this with their debit cards because they want to up-sell you into a credit card, which makes them more money.

Does signing up for Extra affect my credit score?

No, signing up for Extra does not affect your credit score.

Where can I use my Extra Card?

Your Extra Card can be used anywhere Mastercard is accepted.

Can I use my Extra Card while traveling outside of the United States?

Yes! You can continue to earn on every swipe while you're abroad anywhere Mastercard is accepted. Foreign transaction fees may apply.

Know Before You Sign Up

What is required to sign up for Extra?

You must be: 

  • 18 years of age, or older

  • You must have an SSN or ITIN number

  • A US address where you can receive your Extra Card (P.O. boxes are not valid)

  • A US/Canadian based bank account

*In the event we cannot verify your identity, we may ask you to provide additional details.

Did this answer your question?