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Why Extra?

Every Purchase
Builds Your Credit

At the end of every month, purchases made with the Extra Debit Card are tallied up and reported to credit bureaus to help build your credit history.

Earns Reward
Points Everywhere

Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills. Spend your points on AirPods to gift cards in our rewards store.

Connects With
Your Bank Account

Extra is compatible with over 10,000+ banks across the United States—keep your money where you want, while spending smarter with Extra.

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How Does It Work?

1

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Sign up by connecting your bank account, and we give you a spending limit based on your bank balance with no credit check.

2

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

3

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At the end of the month, we total up all of your transactions and report them to credit bureaus as credit worthy payments.

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