See what Extra can do
Introducing: A safer way to build your credit history.
Build your credit history with a debit card
At the end of every month, purchases made with Extra are tallied up and reported to credit bureaus to help build your credit history - all with the money that you actually have.
Making your credit score easy to understand
We get it, credit is confusing. That's why we've built an intuitive experience to help you understand your credit score, what contributes to it, and how you can improve it.
What can better credit get you?
01
EASIER APPROVAL ON AN APARTMENT
02
LOWER CAR
PAYMENTS
03
A BETTER MORTGAGE ON YOUR DREAM HOME
The Best Rewards in Debit. Period.
Earn Points Everywhere
Instantly earn points for every purchase you make. Get points for rideshare, coffee, or even paying your phone bill. Literally get Extra for everything.
Rewards you actually want
Find your new favorite thing, get cash back and even donate to trending charitable causes in our expertly curated, members-only rewards store.
How much Extra could you be earning?
Slide the spending calculator to find out.
Your average monthly spend
Keep. Your. Bank.
Connect your bank account in seconds
Extra is compatible with most banks across the United States, so you can keep your money where you want, while you spend smarter with Extra.
Everything in one place.
The Extra App is also smart enough to display transactions from your connected bank account. You'll never want to look at your boring old banking app again.
Find out if your bank is compatible with Extra.
Extra Membership Plans
Monthly
25% off
Annual
Extra Credit Building
Build credit history with debit
Extra Credit Building
$7/month billed $84/yr
- Build your credit history automatically with your Extra Debit purchases
- Gain full understanding of your credit score with the intuitive Extra Credit Monitoring tool
- Prevent overdafts and add an extra layer of financial security to your bank account with Spend Power
7
Per
month
Billed as one annual payment of $84
Credit Building + Rewards
The ultimate extra experience
Rewards + Credit Building
$9/month billed $108/yr
- Access to all perks of Extra Credit Building including monthly spend reporting and intuitive score monitoring
- Access to all perks of Extra Rewards including unlimited points earning and access to the members-only Extra Shops
- Prevent overdafts and add an extra layer of financial security to your bank account with Spend Power
9
Per
month
Billed as one annual payment of $108
- Build Your credit history
- Monitor your credit score
- Earn points for every purchase
- Exclusive access to Extra Shops
Applying for Extra will not affect your credit score.