{"app_store_id":1489550124,"slug":"extra-1489550124","name":"Extra","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/c8/3d/88/c83d889a-77e7-db8b-bf7e-e21f895afa07/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/extra/id1489550124?uo=4","price":0,"currency":"USD","rating":4.63795,"rating_count":9554,"in_app_purchases":null,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":"2026-10-17T20:20:12.212Z","primary_genre":"Finance","version_date":"2026-06-25T14:02:00Z","updated_at":"2026-10-20T22:07:12.740Z","stale":false,"missing_since":null,"one_liner":"A finance app for an Extra Debit Card that tracks purchases, reports payments to credit bureaus, and offers reward.","verified_maker":false,"maker_site":null,"file_size_bytes":94111744,"minimum_os":"16.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ef/39/6e/ef396e2f-7c78-b016-e631-e34c0d2a1943/100de9a0-e363-4617-89ce-32d5b0f9a063_Artboard_2.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/6c/0c/f6/6c0cf670-5c6b-1d79-5d8a-ef437950c747/835283f5-1fe4-4a9f-b342-a53e59a4da93_extra_app_store_screen_OCT2022_1242x2208_A_02.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/a1/e6/4e/a1e64eb7-422d-e2f4-7732-1cd4f2634b90/e5c9bc0e-abb5-4b63-a763-b78806fbc530_extra_app_store_screen_OCT2022_1242x2208_A_03.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/83/62/01/836201fe-d564-7e1f-6e4d-ee96a7e0ac16/c11d7e51-a95f-47f6-8bad-501d73cd1af0_extra_app_store_screen_OCT2022_1242x2208_A_04.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/8c/58/78/8c5878ad-6595-1f48-ed18-afbfac67c523/4c7e8191-aad4-4d11-a6f1-02df232dfc89_extra_app_store_screen_OCT2022_1242x2208_A_05.png/392x696bb.png"],"developer_name":"The Aligned Company","editors_choice":null,"url":"https://apptierlist.com/apps/extra-1489550124/","api_url":"https://apptierlist.com/api/v1/apps/extra-1489550124","schema_version":"1.0","generated_at":"2026-10-21T02:26:54.585Z","data_as_of":"2026-10-20T23:38:13.756Z","description":"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.\n\n•  Less than 15 minute to apply\n\n    ▪  No credit check required\n\n    ▪  Earn up to 1% back in reward points*\n\n    ▪  Get the best looking debit card ever\n\n    ▪  Check out our plans and apply online on our website.\n\nHOW IT WORKS\n\n    ▪  Sign up by connecting your bank account* and get a spending limit based on your bank balance* with no credit check.\n\n    ▪  When you swipe your Extra Debit Card, we spot you for that purchase and automatically pay ourselves back.\n\n    ▪  At the end of the month, we total up all of your transactions and report them to credit bureaus as credit-worthy payments.\n\nDOWNLOAD THE NEW AND IMPROVED APP\n\nYou'll unlock:\n\n    ▪  Exclusive content to help you make sense of credit\n\n    ▪  Access to the Rewards Store\n\n    ▪  Giveaways for MacBooks, PS5s, gas cards, and more.\n\n    ▪  Easy card management\n\n    ▪  More FOMO-inducing features coming soon\n\nBETTER CREDIT CAN HELP YOU\n\n    ▪  Qualify for an apartment\n\n    ▪  Buy a home\n\n    ▪  Get a better interest rate on a car\n\n**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.\n\nAdvertised 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.\n\n1The 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 by Mastercard International. Line of credit provided by Lead Bank. This Card can be used everywhere Debit Mastercard is accepted. Rewards points only available with rewards plan. Membership fees apply. Please refer to our Terms of Service and Cardholder Agreement for additional details.\n\n2Increases or specific changes to your credit score are not guaranteed. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau's determination of your credit score either positively or negatively. Credit scores are independently determined by credit bureaus based on a number of factors, including your other financial transactions. Extra reports to Experian® and Equifax®. Extra and related services will not remove negative credit history from your credit report.\n\n3To transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra's services (\"Partner Account\"). If your Partner Account is disconnected from Extra services for any reason, you will not be able to use your Extra Debit Card. Within 30 days of the date of each transaction made using your Extra Debit Card, Extra will initiate one or more ACH debits to deduct equivalent funds from your Partner Account. These ACH debits typically deduct funds from your Partner Account within 2 to 3 business days after initiation by Extra or 14 days after your transaction depending on repayment program selected.\n\nThis communication is for informational purposes only and should not be considered financial advice.\n\nTHIS IS A LOAN SOLICITATION ONLY. THE ALIGNED COMPANY IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.","facts":{"developer_id":1438277172,"developer_url":"https://extra.app/","first_released":"2021-04-04T07:00:00Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"3.6.10","release_notes":"Stability improvements and issues resolved while using Rent Reporting.","rating_current_version":4.63795,"rating_count_current_version":9554,"star_counts":null,"genres":["Finance"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-20T22:07:12.740Z","catalog_read_at":null,"reviews_checked_at":"2026-10-17T20:20:12.212Z","summary_written_at":"2026-10-17T02:32:13.384Z","placed_at":"2026-10-16T03:22:51.808Z","scored_at":"2026-10-20T23:38:13.756Z"},"editorial":{"one_liner":"A finance app for an Extra Debit Card that tracks purchases, reports payments to credit bureaus, and offers reward.","what_is":"Extra is a finance app built around the Extra Debit Card, which the listing says helps track purchases, build credit, and earn reward points on purchases. Users connect a bank account to get a spending limit based on bank balance with no credit check, and the listing says payments are reported to credit bureaus at the end of each month. The app also lists exclusive credit content, access to a Rewards Store, and giveaways.","good_for":["People without a credit history who want to build credit","Users who want a debit card linked to a connected bank account","Users interested in earning reward points on everyday purchases"],"pricing":"Extra is free to download on the App Store.","faq":[{"q":"Is Extra a bank?","a":"The Aligned Company d/b/a 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)."},{"q":"Do I need a credit check to sign up?","a":"The listing says no credit check is required and that the spending limit is based on bank balance after connecting a bank account."},{"q":"Will using Extra improve my credit score?","a":"The listing says credit score impact may vary and is not guaranteed. Extra reports both on time and late payments, which may negatively impact a credit score."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T02:32:13.384Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":2,"tier":"S","score":90.1,"components":{"rating":92.7,"votes":79.8,"rank":97,"recency":90.7},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T03:22:51.808Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":125941,"at":"2026-10-16T10:30:49.475Z","kind":"tier_changed","list":"credit-building","app_store_id":1489550124,"app":"extra-1489550124","from":"C","to":"S","reason":"score 66 to 90.1","job":"rescore"},{"id":117976,"at":"2026-10-16T03:25:51.899Z","kind":"tier_changed","list":"credit-building","app_store_id":1489550124,"app":"extra-1489550124","from":null,"to":"C","reason":"score 66","job":"rescore"},{"id":117825,"at":"2026-10-16T03:22:51.808Z","kind":"membership_added","list":"credit-building","app_store_id":1489550124,"app":"extra-1489550124","from":null,"to":"active","reason":"Core purpose: the Extra Debit Card reports monthly transactions to credit bureaus as credit-worthy payments, with no credit check, to help build credit.","job":"shadow"},{"id":99069,"at":"2026-10-15T07:29:36.035Z","kind":"app_added","list":null,"app_store_id":1489550124,"app":"extra-1489550124","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":2,"tier":"S","score":90.1,"components":{"rating":92.7,"votes":79.8,"rank":97,"recency":90.7},"ranks":[{"country":"ca","rank":3},{"country":"us","rank":9},{"country":"gb","rank":4},{"country":"au","rank":2},{"country":"de","rank":2}],"verdicts":[{"verdict":"keep","reason":"Core purpose: the Extra Debit Card reports monthly transactions to credit bureaus as credit-worthy payments, with no credit check, to help build credit.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-16T03:22:51.808Z","attempts":1,"current":true},{"verdict":"keep","reason":"Extra is mainly a credit-building debit card. It reports your monthly purchases to the credit bureaus as credit-worthy payments, which is the core of what this list is about.","verifier":"list check","decided_at":"2026-10-16T03:22:51.808Z","attempts":1,"current":true}]}]},"data_version":39462,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/extra-1489550124/"}}