Extra Card

Extra is reinventing the credit journey to set you up for success. We’re making credit safer, smarter, and more enjoyable through products that incentivize good credit habits.


Max Hellerstein, Cyrus Summerlin, and Biren Shah co-founded Extra in 2020 to address the profound challenge of credit building. A solid credit history is an essential part of life, but millions of Americans can't get or don't want to use a credit card. Our co-founders shared a passion for solving this issue, and took ownership in creating a new kind of solution. Since then, nearly 200,000 people have become Extra members who are safely building their credit with the Extra Debit Card, the first debit card that builds credit and earns rewards points. ​And it really works: check out our 2000+ reviews, and 1900+ 5-star reviews.

As Extra continues to grow, we keep our core values close to heart.

Extra was created to bring clarity and transparency to an industry historically defined by fine print and predatory offers. We’re always straight up. If we ask you for something, we’re going to tell you why. We make it clear how our products work, and hide nothing behind the curtain.

We aspire to make credit actually enjoyable instead of anxiety-inducing or intimidating. Across the Extra experience, from our concierge at your service in under 60 seconds, to our next level rewards and giveaways, everything we do is to make credit not only easier, but more fulfilling and more engaging.

And most of all, Extra is working to make the power of credit safely accessible to more people. Our entire approach to credit is to create new ways to say yes; to invent smarter credit building possibilities that work for everyone. We actually want to set people up for success - to enable and encourage everyone to do their best with credit. It's a job we believe is never done, and we're on it every day