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Extra

Credit Building · Free download
S Tier
Best in class · #2 of 23
90
4.6★9.6K ratings
Free downloadprice
4mosince update

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

1 / 5

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

MeasureExtraSeen MobileKikoff
TierSSA
Score90 / 10095 / 10086 / 100
Rating4.6 ★4.8 ★4.9 ★
Ratings9.6K33.1K277K
Latest ratings · 180d—2.2 ★ · 20 reviews4.8 ★ · 20 reviews
Last update116d ago27d ago5d ago
PriceFree downloadFreeFree download

Alternatives

See all 22 ›
  1. Seen MobileFree · ★ 4.8S
  2. KikoffFree download · ★ 4.9A
  3. SelfFree download · ★ 4.9A

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.

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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