EXTRA: Build Credit with Debit

GET THE EXTRA DEBIT CARD The first debit card that builds credit.

Your best life starts with better credit. Swipe the Extra Debit Card daily to help track your purchases, build credit*, and earn reward points* on every purchase.

    •  Less than 15 minute to apply

        ▪  No credit check required

        ▪  Earn up to 1% back in reward points*

        ▪  Get the best looking debit card ever

        ▪  Check out our plans and apply online on our website.

    HOW IT WORKS

        ▪  Sign up by connecting your bank account* and get a spending limit based on your bank balance* with no credit check.

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

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

    DOWNLOAD THE NEW AND IMPROVED APP

    You’ll unlock:

        ▪  Exclusive content to help you make sense of credit

        ▪  Access to the Rewards Store

        ▪  Giveaways for MacBooks, PS5s, gas cards, and more.

        ▪  Easy card management

        ▪  More FOMO-inducing features coming soon

    REDEEM POINTS IN THE REWARDS STORE*

        Spend reward points on…
        ▪  Must-have tech

        ▪  Pinterest-worthy home goods

        ▪  Books you won’t put down

        ▪  …and more!

    BETTER CREDIT CAN HELP YOU

        ▪  Qualify for an apartment

        ▪  Buy a home

        ▪  Get a better interest rate on a car

FAQS

    Is Extra a Secured Card?

      ▪  No, the Extra Debit Card is not a Secured Card. Members connect their bank account* so they can build credit* with debit and earn reward points* with the money that they already have.

    Why should I trust Extra with my bank account?

      ▪  We use Plaid to securely connect to your bank account. Plaid uses encryption and internationally recognized security standards to protect your information. 

 **Pricing and rewards availability will vary depending on plan and term selected. *Impact on your credit score may vary depending on your use. Extra is required to report both on time and late payments, which may negatively impact your credit score. *In order to transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra’s services. Extra sets each Cardholder’s Spend Power based on a proprietary data-driven risk model, using objective signals to assist in the identification of those Cardholders who intend and are able to pay for their transactions.

The Aligned Company d/b/a Extra (“Extra”) is a technology company, not a bank. The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank, N.A. (Member FDIC), pursuant to a license from Mastercard International. This Card can be used everywhere Debit Mastercard is accepted. Loans provided by Lead Bank. Banks are not responsible for credit reporting.


Advertised credit claims are typical results for customers who use Extra as recommended and are based on a study using data from Experian. To learn more, visit extra.app/study.