Extra

Name: Extra
Rating: 4.6 (9534 reviews)
Author: The Aligned Company

By: The Aligned Company App

Build credit w/o a credit card

Overview

Version:

3.6.10

Last updated: 2026-06-25

Ranking

#18,779 ▼ 452

Overall

Features & Capabilities

Your best life starts with better credit. Extra's debit card lets you swipe daily to build credit with a spending limit based on your bank balance and no credit check. Each month, transactions are totaled and reported to credit bureaus as on-time payments to help you qualify for apartments, homes, and better loan terms. You'll also gain access to exclusive credit education, the Rewards Store, giveaways, and easy card management. Pricing and rewards vary by plan, and credit impact may differ based on usage.

User Growth & Download Statistics

App Payments Data Privacy & Security

By:

The Aligned Company

Rating:

4.60

(9,534) 1 ratings

Version:

3.6.10 Last updated: 2026-06-25

Version code:

887358863

Creation date:

2021-04-04

Compatible devices:

Size:

89.75MB

URLs:

Website ,Privacy policy

Full description:

Source:

Apple Apps Store

Data ingested on:

2026-07-20

Compare stats and ranking:

Ranking

# 18,779 ▼ 452

Other platforms

Extra (v3.6.10)

265,402 4.23

(2,351)

For Developers

Monetize with App Pass Boost with Extension Booster

Contact the developer

Chrome-Stats does not own this Apple app. Please use these information below to contact the Apple app developer.

Developed by:

The Aligned Company

Apple Apps Store

https://apps.apple.com/us/app/extra/id1489550124

Website:

https://extra.app/

User Reviews

Most reviews complain about ongoing $25 monthly fees and poor value, plus frequent customer service problems and cancellation hurdles. Many users report little to no credit improvement or even negative credit impacts, and several experience card delivery/activation issues. Rewards are limited or overpriced, with gift cards often unavailable. A minority report positive experiences with credit-building and supportive staff. Overall sentiment is largely negative, though a few users praise onboarding and some helpful representatives.

Pros

Credit-building capability: several users report improvements in credit scores or potential for building credit.
Useful onboarding and tools: some reviews highlight helpful setup and features that support credit building and linking bank accounts.
Occasional positive customer service experiences: a subset of users describe responsive or helpful representatives during setup or support interactions.

Cons

High ongoing monthly fee (around $25) and price increases with perceived poor value.
Poor or unresponsive customer service and difficult cancellation process, with slow responses and hard-to-navigate support channels.
Unreliable credit reporting: reports of little to no credit improvement or even negative impacts, and inconsistent reporting to credit bureaus.
Delivery/activation issues with cards and account access problems, including cards not arriving or not working.
Rewards program limitations: gift cards often unavailable, items in store overpriced or scarce.

Recent reviews

Went through financial hardship and got ditched quick. Go elsewhere, everybody else at least lets you keep an account so you can login. Pretty silly to deactivate account an basically lock you out your own account.

by Ho*****, 2026-07-08

My friend suggested the app to improve my credit which it has but I also like how it buys me a few days to pay things and how I earn points which get me cool stuff for free.