beware of this debit card if you use…
beware of this debit card if you use it, you have to pay it back right away. If you can't pay it back, they will ruin you. They will make your credit score drop as much as 70 points.
Barry Gagi
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Extra Card
4.150 reviews
Last reviewed: Feb 12, 2026Do you agree with Extra Card's TrustScore? Voice your opinion today and hear what 844 customers have already said.
extra.appMember since Mar 2026
Extra Card is an online company. Based on 50 reviews on TrustPlane, it has an average rating of 4.1 out of 5 stars. Last reviewed February 12, 2026.
Customer Reviews
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50 reviews
Poor customer service and policies
They are unwilling to assist with the most basic issues and once you close your account you can never open another down the line which they fail to mention.
Jay Squire
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No customer service help at all
I've been messaging and emailing them for 2 days to cancel membership - no one is helping They will be increasing membership from $8 to $20What kind of a robbery is this?
Lubna Abbasi
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SCAM!!!
I feel scammed, this company stopped working with the card "due to supposed improvements" and they ask me to validate my ID and address data again in order to reissue a new card, where they send me a link to do so via email that does not work. It has been 4 weeks since the problem existed and they do not provide solutions, they only say that you have to wait, this seems intentional.
Marcos Aguilera
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disconnects from my bank the app does…
disconnects from my bank the app does not work to reconnect, at allm concierge rude, endless questions no one fixes problem....Awful company....
Beryl Helen Keya Cargill
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They will freeze your card without telling you and cost you late fees and money
I had a dispute regarding an accidental purchase I made on an app. I could not find the receipt from the App Store in my email which was needed to get a refund from the app itself. I used my Extra card to accidentally make the purchase it’s what’s connected to my Apple Pay. Fast-forward the conversation goes. I let them know at Extra that I made an accidental purchase. Fast-forward a few more days and my phone bill and all of these other purchases are being declined by Extra. I delve into it a bit and discover that the extra representative that I was speaking to took it upon herself to freeze my card without even telling me. I was not asked if I wanted to freeze my card I was not informed that my card was being frozen. They just did it and transactions were declined. I have auto pay set up for my phone and I get a discount for it, which I will not receive because of this employee overstepping. This isn’t the first time something like this has happened. Previously, I had an employee from Extra completely canceled the card that I had marking it lost or stolen. I don’t even remember what the issue was, but it was nothing at all that would’ve prompted such a response. I was also not informed that the card was canceled and when that happened, I received multiple late fees for accounts that were supposed to go out through Extra. This company has cost me money for no reason. Their employees do not seem to think it’s important to let you know that you cannot use or access a card that you have with them. Racking up fines and late fee fees because of their ignorance and negligence. I am beyond sick of this company. I’ve written them multiple times today and I cannot get a response. I’ve tried calling them. You cannot get through to a person they only allow you to leave voicemails in which they claim that they will call you back within 24 hours. So it doesn’t matter if you have an urgent situation at hand, they will not get back to you promptly. Card place as a joke I’m about to cancel with them. The only reason I even kept the card was because of the gift cards and they no longer have those so it’s basically useless. It’s done nothing to help my credit whatsoever. It’s just a waste of money.
Megan Sittig
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I Highly Do Not Recommend This it is a…
I Highly Do Not Recommend This it is a waste of $25 a month it hasn't helped my credit score go up at all since I've signed up they don't report to the credit bureau like it says they do. it is a total waste of money! I've had more progress with other credit repair companies at a whole lot cheaper price and i actually see where they report. Extra hasn't helped me at all its a waste of money
Alfonso
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Excellent Experience with Extra Credit Card
I’ve been a member of the Extra credit card since October 2023, and it’s been nothing short of a great experience. The card offers fantastic perks, including easy credit-building, which has really helped improve my financial standing. What stands out the most is their outstanding customer service. Whether I’ve needed to dispute charges or had general questions, they’ve always been quick, professional, and helpful.Extra also has a system in place for financial hardships, reaching out to work with you to stay on track, which shows they genuinely care about their customers’ well-being. They offer credit increases based on your trustworthiness, which is a great incentive to use the card responsibly. Overall, I highly recommend Extra for anyone looking to build credit with added peace of mind and excellent support.
Rico C “ Atlanta GA”
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Don’t do it people I’m telling you
Don’t do it people I’m telling you. They will take money out your bank account and will not report to the credit bureaus. I used them for three months and they never reported anything. It’s a waste of money and your score will not improve.
24k Tv
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Extra has been great
Extra has been great! I like that it links to my account but helps my credit! Customer service is great too!
Bri Jaworski, LMHC
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Extra has been very helpful in all…
Extra has been very helpful in all aspects. Their chat help is always top notch.
Steve
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My representative Mark was very helpful…
My representative Mark was very helpful & efficient. He solved my issue in a matter of minutes with no hassle or long wait. Loving the app so far!
Brandi Bruegger
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Great customer service and easy access…
Great customer service and easy access to help 24 hours a day I highly recommend this card to anyone
Joseph Amirian
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Great Company …
Very nice opportunity to allow people who try bad or no credit to establish something
Daniel Harris
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Mark was phenomenal in helping me…
Mark was phenomenal in helping me resolve my issue. He was quick and efficient. I highly recommend applying for this card. It has been very helpful for my credit and is very easy to set up. Their customer service is great!
Soriabunny Mam
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🔥🔥🔥🔥🔥🔥
I’ve been an Extra member for about two years now, thanks to a recommendation from a friend, and I can honestly say that this credit card company has exceeded my expectations. Their customer service is top-notch—responsive and efficient. I’ve never encountered any issues with spending limits or paying my bill on time.One of the standout features of Extra is its simplicity. The card is easy to use, and if you’re mindful of the fine print, you’ll have no trouble. As you make successful payments, Extra rewards you by increasing your credit limit, which makes everyday spending more convenient. Additionally, their system is straightforward, so managing your finances through Extra feels hassle-free.Overall, I highly recommend Extra to anyone looking for a reliable and customer-focused credit card.
Wes Cochran
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Great customer care.
Extra is a substantial team ready to help customer’s credit score increase. This is a company that has been active for a while with very good customer service in inclusion. A company worth the name. Thanks Extra!
Jim B
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I had to have my card sent to a…
I had to have my card sent to a different address and the customer service is and was awesome. I've dealt with Ken, and he was more than and beyond polite, courteous and knowledgeable. I haven't started using my card yet, so I haven't really seen an increase in points so far. But I can forsee the experience with Extra being very good.
MyFirstJ's
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Love Extra and have been a member for…
Love Extra and have been a member for years. They have helped me build my credit from nothing. Honestly this product is GENIUS. How a credit card should function!
Rachel Wilson
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Be ADVISED!
Be ADVISED!! THE EXTRA CREDIT CARD IS NOTHING BUT A SCAM TO GET YOU TO PAY MONTHLY FEES. IF YOU DONT USW THE CARD YOU WILL BE PAYING MORE IN B.S. MEMBERSHIP FEES THAN RECEIVING CREDIT BENEFITS. DONT USE THESE CROOKS!!!!
Brian Tisdale
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Cite this page
According to TrustPlane, Extra Card has a 4.1/5 rating based on 50 verified reviews as of April 2026. Source: trustplane.app/company/extra-app