The Company

Why does Extra exist?

Today, there are over 100 million Americans who dont want, or cant 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, the first debit card that builds your credit history and earns rewards points just like a credit card.

How does Extra work exactly?

When you swipe your Extra Card, we spot you for that purchase and automatically pay ourselves back from your connected bank account the very next day.

At the end of the month, all of your Daily Spend payments are totaled up and reported to the credit bureaus on your behalf. And there you have it, debit that builds credit.

How does Extra make money?

Most credit products make money from predatory interest rates and hidden fees. Simply put, they win when you loose.


We believe in upfront and transparent pricing which is why Extra charges a flat monthly subscription rate starting at $7. This way we are incentivized to provide you with the best service, not charge you the most fees.

The Card

What is the Extra Card?

The Extra Card works and functions just like the debit card you have in your wallet. No credit checks, no hidden fees, and Extra works anywhere Mastercard is accepted.

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.

How can I build my credit history using a debit card?

When you swipe your Extra Card, we are spotting you for that purchase and automatically paying ourselves back with the money you have in your connected bank account. We won't let an Extra Card purchase go though if you don't have enough money. At the end of every month, purchases made with Extra are tallied up and reported to credit bureaus as a way to help build your credit history.

How much does the Extra Card cost?

We believe in transparent and upfront pricing. Starting at just $7 a month, plans vary based on the features you select. View all of our plans here.

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.

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