A Deep Dive into the Extra Card
- Digital Marketing

A Deep Dive into the Extra Card


What is Extra?

Extra is the first debit card of its kind because it allows you to build credit. Unlike a typical debit card, Extra helps you build credit and avoid overspending by syncing the amount of money you can spend with the amount of money you have in the bank. Extra’s ultimate goal is to make the credit building process accessible and user-friendly which is why it can connect to over ten thousand banks in the United States by using Plaid, to ensure that your banking information is safe and will never be stored.

The way Extra works and allows you to keep your credit utilization at zero is because the money Extra lends you comes from the company and they pay themselves back from your synced bank balance daily. Then at the end of every month, Extra compiles the purchases you made and reports them to credit bureaus such as Experian to help build your credit history.


Extra aims to be as transparent as possible and takes pride in itself for not surprising its cardholders with any unexpected expenses. To open an Extra card all you have to do is pay a monthly recurring fee that starts at seven dollars. That small payment grants you access to a new debit card with the capabilities and benefits of a credit card including earning rewards points. In fact, you can earn up to one percent in points for making everyday purchases. Some other benefits include:

  • No Interest Rates
  • No Deposit required
  • No Credit Checks
  • Not a secured card
  • Full Credit Impact
  • Daily Payment Cycles
  • Reports to Credit Bureaus Monthly
  • 24/7 Support


You do have to be 18 years of age or older to apply for an Extra card, but the application process is straightforward and takes no time at all. To join the 150,000+ people that already use Extra you can apply for yourself and learn more by checking out their website at https://extra.app.

Company Bio:

Extra was founded by Maximilian Hellerstein as a financial services company aimed at allowing people access to a line of credit. Extra is the first debit card that helps you establish a line of credit by compiling the purchases you made at the end of every month and reporting them to credit bureaus to help build your credit history. Anyone 18+ can apply since there is no credit check, and instead only a monthly payment fee that starts at just $7/month.


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