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Flexible Digital Credit Card

You’re more than just your credit score. With Grain, it’s possible to access a revolving line of credit based solely on your cash flow.


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Grain Digital Card

Grain is a digital credit card that grants you access to a revolving line of credit. It’s easy to transfer funds from your line to your checking account when you need cash, and you can use your current debit card to make purchases.

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Why Grain

Easily Accessible – Perfect Credit Not Required

Grain is available to all borrowers, even those with lower credit scores. Plus, account activity is reported to the three major credit bureaus -- Experian, Equifax, and TransUnion -- to help improve your credit health.

Seamless Lending Experience

When you apply for a digital revolving line of credit with Grain, you’ll receive a pre-approved credit offer in just a few minutes.

Competitive Interest Rates

Account holders receive an interest rate of 15% (or 17.99% if the account holder opts out of automatic payments). A finance charge of only 1% applies when you initiate a withdrawal.

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A Flexible Digital Credit Card Solution

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Grain takes an innovative approach to credit by serving consumers based on their cash flow because you’re more than just your credit score.


Sign Up Today

It’s fast and simple to sign up with Grain, and there’s no impact on your credit score. Download the mobile app on the App Store to take the first step or join the Android waitlist. You could get instantly pre-approved for a line of credit and have access to the cash you need to smooth out your finances in an instant.


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