Extra
What is Extra?
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.
Pricing. Extra is free to download on the App Store.
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
Screenshots
Why this app is in S tier
Extra scores 90 out of 100: rating 93, rating count 80, App Store search rank 95, update recency 91. The four parts are averaged with no weights, and S tier follows from that score within this list. The full explanation, as data.
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. • 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. ▪ 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 BETTER CREDIT CAN HELP YOU ▪ Qualify for an apartment ▪ Buy a home ▪ Get a better interest rate on a car **Pricing and rewards availabi
Compare in Credit Building
| Measure | |||
|---|---|---|---|
| Tier | S | S | A |
| Score | 90 / 100 | 95 / 100 | 86 / 100 |
| Rating | 4.6 ★ | 4.8 ★ | 4.9 ★ |
| Ratings | 9.6K | 33.1K | 277K |
| Latest ratings · 180d | — | 2.2 ★ · 20 reviews | 4.8 ★ · 20 reviews |
| Last update | 116d ago | 27d ago | 5d ago |
| Price | Free download | Free | Free download |
Alternatives
See all 22 ›Questions about Extra
Is Extra a bank?
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).
Do I need a credit check to sign up?
The listing says no credit check is required and that the spending limit is based on bank balance after connecting a bank account.
Will using Extra improve my credit score?
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.
Is Extra free?
Extra is free to download.
What is Extra good for?
Extra is built 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. It sits in the credit building list on AppTierList.
Is Extra worth it?
Extra is S tier, ranked #2 of 23 credit building apps with a score of 90 out of 100, from a 4.6 App Store rating across 9,554 ratings. It is in the list's top tiers; 1 app ranks above it.
How does Extra compare to Seen Mobile?
Extra is S tier at 90; Seen Mobile is S tier at 95. Seen Mobile ranks higher. Extra is free to download, Seen Mobile is free, with no in-app purchases.
How often is Extra updated?
Extra was last updated on 2026-06-25, 116 days ago.
All the facts
- List
- Credit Building
- Tier
- S (Best in class)
- Score
- 90 / 100
- Rank in list
- #2 of 23
- Ranking certainty
- settled
- Price
- Free download
- App Store rating
- 4.6 out of 5
- Number of ratings
- 9,554
- Current version
- (116 days ago)
- App Store data read
- App Store category
- Finance
- 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
- Requires
- iOS 16.0 or later
- Size
- 90 MB
- Age rating
- 4+
- Languages
- 1
- Maker
- unclaimed
- As data
- JSON · why it ranks here
Ranking refreshed · how it is computed