Grow Credit

Establish or Build Your Credit
Use the Grow Credit Mastercard to pay for recurring subscriptions to help you establish or build your credit scores.


Grow Credit offers a credit-building platform and mobile app if you are looking to improve your credit scores easily. Their app allows you to add your recurring subscriptions and get a Grow Credit Mastercard to pay for them, linked to the bank account at which you receive your regular income.

You can use the card to pay for things such as Netflix, Hulu Plus, Amazon Prime, or Spotify. They will then report these positive payments of all your subscriptions to credit reporting agencies, helping you build and increase your credit scores.

What Is Grow Credit?

Grow Credit is a company dedicated to helping millions of Americans establish and build credit by providing them with a convenient way of paying for recurring subscription services through a mobile app.

How Does Grow Credit Work?

Your credit scores are affected by different factors in your financial life. For example, payment history accounts for 35% of what makes your credit scores. For example, paying your credit cards in full and on time will positively affect your credit score.

Grow Credit automatically pays off the credit card you use in the app to pay for your monthly subscriptions in full and on time each month and reports your monthly payments to the three major credit reporting agencies, so you can build your payment history, positively impacting your credit scores.

This way, you get credit for paying for your subscriptions since they report your on-time payments to all three major credit bureaus (Equifax, Experian and Transunion), which helps establish or boost your credit scores. Grow also adds an additional line of credit to your total credit mix, which usually accounts for 10% of your overall credit score.

What Does Grow Credit Offer?

You can access the card, link your bank account, monitor your FICO score, and make changes to your subscription through the platform and mobile app.

Grow Credit Mastercard

With the Grow Credit Card, you get access to various credit-boosting benefits that allow you to establish a positive credit history regardless of who you are.

How Much Does Grow Credit Cost?

Depending on how much credit you need and how fast you want to build your credit, Grow Credit offers 4 different subscription tiers. The higher the credit limit, the more payments they will report to credit bureaus, helping you establish or boost your credit faster.

These are the 4 subscription plans offered by Grow Credit:

  1. Build Free: You can use Grow Credit for free with a low $17 monthly spending limit, and they will report up to $204 per year.
  2. Build Secured: For $1.99 per month, access the sale limits as the free plan, but with the chance to upgrade after 6 months of using the app.
  3. Grow Membership: For $3.99 per month, upgrade to $50 per month spending and up to $600 reported annually to help you build your credit.
  4. Accelerate Membership: If you need to boost your credit faster due to poor credit or to increase your chances of better loan terms, the $7.99 per month plan gives you access to $150 monthly spending and up to $1,800 reported per year.

On top of this, the free and secured plans require a $17 security deposit, which you will recover after 12 months of consecutive payments.

What Are the Benefits of Using Grow Credit?

The key benefit of using the app is to build or establish credit, but let’s review what else is beneficial about the credit-building platform:

Build Your Credit Interest-free

With the Grow Credit Card, you don’t need to worry about paying for monthly credit card interest charges because the app makes sure your balance is paid in full and on time.

Set Up Automatic Payments

If you forget to pay bills on schedule, this will affect your scores. With the app, it is easy to establish a good payment record by paying subscriptions automatically when they’re due. This improves your credit score because it shows positive payments on your credit history.

Flexible Pricing Options

The Grow Credit MasterCard offers four different levels of memberships, each of which comes with free financial education resources, access to your FICO® credit score, and rewards for referring friends.

No Credit History Needed

You don’t need credit history or a minimum credit score to qualify for the Grow Credit Mastercard—you can apply even if your credit file needs improvement. The main goal is to help you establish a good track record of responsible financial behavior.

No Hard Credit Inquiry

The credit building app only does a soft credit check when you apply, reducing the risk of negatively affecting your credit score.

Report to All the Credit Bureaus

Grow Credit automatically reports your monthly payments to all three major national credit bureaus—Equifax, Experian, and TransUnion—which gives credit scoring companies like Fico and VantageScore a positive payment history to your credit file.

What Requirements Do You Need to Get Started?

You’ll need the following to get started building your credit score:

  • A checking account where you deposit your earnings
  • An email address and phone number
  • A Social Security Number
  • You must be a U.S. citizen or legal resident
  • You must be at least 18

You can apply for an account without any previous credit history. As mentioned, Grow Credit won’t pull your credit report or use credit scores as part of their application process.

Should You Use Grow Credit?

Grow Credit offers a great opportunity if you have bad or poor credit and want to improve it or establish your credit score if you have no credit record.

They offer a free trial period where you can see how your credit score changes before committing to a payment plan. You can also get access to a variety of tools and resources to help you manage your finances.

You should use Grow Credit if you want to improve your credit rating or if anyone looking to improve their finances. This credit-building app can help you rebuild your credit if you have bad credit.

How To Open an Account with Grow Credit

Open an account online by visiting the Grow Credit website and following these steps:

  1. Choose your desired plan and provide your email address.
  2. Apply for the interest-free Grow Mastercard
  3. Link your bank account
  4. Add your subscriptions
  5. Use the Grow Credit Mastercard to pay for your subscriptions
  6. Keep an eye on your credit score through the app

FAQs About Grow Credit (4)

  • Which credit bureaus does Grow Credit report to?

    Grow Credit reports to Equifax, Experian, and TransUnion.

  • Do you need good credit to use Grow Credit?

    No, you can join Grow Credit even if you have no credit history or bad credit.

  • Does applying with Grow Credit negatively affect your credit score?

    Grow Credit does not perform a hard credit check or use credit scores as a factor when you apply for a Grow account. Grow Credit only does a soft credit check for each account to verify your identity. Soft credit checks don’t affect your credit scores.

  • How long do you have to wait to see changes in your credit score after using Grow Credit?

    You should typically begin to see Grow Credit on your report after 60-90 days of your first payment.

Grow Credit

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Experian is a consumer credit reporting company that can help you access your credit report, understand, check and improve your credit scores.

Grow Credit Products and Services


Grow Credit Building

A credit-building platform and mobile app to help you establish or improve your credit scores by paying your subscriptions from your account.

Learn more

Why Us

Build Your Credit for Free

Grow Credit makes it easy for people like you to build your credit. All you have to do is apply for a secured card and link your recurring subscriptions to your account.

No Credit Check

Grow Credit's goal is to help you build your credit while helping you avoid any negative impact on your credit score.

All Three Credit Bureaus

Payments are reported to the three major credit reporting agencies: TransUnion, Equifax and Experian.

Start Building Your Credit Today

If you’re tired of waiting for your credit score to go up, let Grow Credit help you take control of your financial future. Start building your credit today.

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