Extra connects to your existing bank account, lets you spend like a debit card, and reports purchases to credit bureaus monthly. No credit checks. No interest.
Spend money you already have. Build credit doing it.
Compatible with 10,000+ banks via Plaid. No need to switch checking accounts.
Every purchase is treated as a small credit line that you 'pay back' from your bank account — and reported monthly.
Earn points on every swipe. Redeem for gift cards, merchandise, or cash equivalent.
Approval is based on your bank-account history, not your credit score. Anyone can qualify.
Works with the digital wallets you already use.
Sign up takes minutes. No credit check, no minimum balance.
Extra Card is issued by an FDIC-member partner bank. MidBank receives a referral fee. All terms, rewards, and bureau reporting are determined by Extra and its banking partner.