Extra Card offers a debit card designed to help users build their credit history through everyday purchases. The card functions as a MasterCard and reports transactions to credit bureaus as "credit-worthy payments," assisting users in establishing or improving their credit scores. It also features an independent line of credit linked to the user's bank account, allowing purchases without a traditional credit check, and a rewards program where users can earn points redeemable for gift cards. The company collaborates with Evolve Bank & Trust and Patriot Bank, N.A. for card issuance, while backend services are managed by Marqeta or Apto Payments. Extra Card targets individuals with limited or no credit history, and user feedback indicates significant credit score improvements and satisfaction with customer support. Additionally, Extra has partnered with OpenFortune to educate users on credit-building strategies.