Free sites get paid when you use the them to find a Auto Loan Mortgage Credit Card Personal Loan
With ExtraCredit, YOU get paid.
Have you ever wondered how those free credit sites stay free? For the most part, it’s through the credit card and loan offers that they feature on their sites. Any time you use a free service to sign up for a credit card or get approved for a loan, they get paid—often hundreds of dollars. Meanwhile, you get nothing.
With Reward It, we split that money with you. Really! We’ll send you a Reward It debit card and pay you real money for getting approved for select offers through Reward It. Because when you make smart financial choices, you deserve to be rewarded—starting with the $5 bonus cash we’ll send you just for signing up for ExtraCredit.
How Reward It works
Get your Reward It card
When you sign up for ExtraCredit, we’ll send you a Reward It card preloaded with $5, as a thank you for signing up. That’s real money that you can spend on everyday purchases anywhere debit cards are accepted.
Analyze your credit
We run your credit through our internal algorithm to determine what kind of offers you may qualify for. Every time you log in, you’ll see personalized offers with rewards ranging from $3 to $165.
Find the perfect offer
Next, you can pick which offers make the most sense for your situation from your customized list of recommendations. And it’s not just credit cards! You’ll see offers for loans, insurance, even personal finance apps.
Get paid real money
After you qualify for an offer, we split the reward with you—up to $165 sent directly to your Reward It debit card. Our card has no annual fee, and you can claim multiple rewards, depending on what works best for you. Plus you can use it anywhere debit cards are accepted.
Better than basic cash back rewards
Free sites want you to sign up for whatever pays them the most. Our offers are based on your personal credit needs.
Potential benefits of Reward It
Because Reward It analyzes your personal credit report, ExtraCredit is able to provide personalized offers that you are most likely to be approved for. That means a lower risk of your application being denied and fewer potential inquiries resulting in dings to your credit score.
And that doesn’t even cover the actual cashback rewards that you can rack up. Claim multiple rewards ranging from $3 to $165, depending on your situation. Then use the cash to reward yourself or offset other financial fees. It’s up to you!
Learn more about cash back rewards:
Reward It is just one of five incredible tools within ExtraCredit.
Five features. Total credit coverage.
Credit building offers
$1M identity theft protection insurance
Dark web and identity monitoring
Proactive credit alert and security alerts
28 FICO® Scores
Your credit report from each credit bureau
Exclusive discount to one of the leaders in credit repair who works with all three bureaus and your creditors, where available
Don’t settle for anything less than ExtraCredit
How much does ExtraCredit cost?
ExtraCredit costs $24.99/month and you can cancel anytime.
Reward It is only one of the features of ExtraCredit—there are four additional tools to help you take control of your financial future.
See why so many are choosing ExtraCredit
Coming from a different country, establishing my credit took a lot of work. ExtraCredit takes care of all parts of my credit. I like that I can build and protect it at the same time.
People talk about credit scores like there’s only one, but that’s just not true. I love that ExtraCredit shows me 28 different scores and was shocked to see a 40-point difference between two of them.
I can access all three of my credit reports every month with ExtraCredit. I like having access to all that important information at my fingertips.
I pay my rent every month and it’s great that I can finally get credit without owning a home. It's nice to see positive tradelines get added to my credit report.
I am new to credit and Extra Credit will help me build my credit score and manage all aspects of my credit in one place.
Trying to manage my credit across five different apps was a nightmare. ExtraCredit puts everything in one place and makes staying on top of it easy. I finally feel like I’m in control of my credit.
*While ExtraCredit was in its early stages we had employees, friends and family trying it out. These are their testimonials based on that experience.
Credit isn’t just our name—it’s everything we are
Credit.com was established in 1996 to empower consumers with important credit and financial information. Now, we're taking our dedication to helping individuals build credit even further with ExtraCredit.
There’s a reason so many people continue to rely on Credit.com for all their credit monitoring needs—because it works.