Grow Credit
Open in the Grow Credit app
OPEN
Build credit.
For free.1
Grow Credit offers a free Mastercard you
can use to pay your subscriptions and
build your credit.
Apply Today

Featured in the Forbes Fintech 50 as one of America's most innovative startups.

Fintech 50 2022
"A pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services."
"A useful tool for climbing the ladder and eventually qualifying for a better card."
"The Grow Credit Mastercard is ideal for those with no credit or poor credit."
Get credit for
paying for your
subscriptions
We report your payment history to all three major credit bureaus (Equifax, Experian and Transunion) which may help establish or boost your credit score.2
How it works
Get set up with your
Grow Credit account
Apply for a Grow Credit interest-free Mastercard and connect your bank account. Signing up is easy.1
Add your
subscriptions
Add subscriptions to your Grow Credit account using our list of 100+ available subscriptions.
Use your new Grow
Credit Mastercard as
your payment method
Add your card number to your new and existing subscription accounts, to be paid consistently with your new Grow Credit Mastercard.
3
Sit back and watch
your credit grow
Your subscriptions are paid with your new card and your payments are made consistently which contributes to a better credit score.
“My FICO score has jumped 20 points in a few months of using Grow, so I'm on an upward trend of credit growth and repair. Easy to set up with my current subscriptions as the virtual credit card makes it seamless.”
Jamie H.
Memberships
Designed for growth, reporting to:
Build Free1
$17
Monthly
Spending Limit
$204
Annual Limit
Reported to the bureaus to boost your credit score
Free financial literacy education
Free access to your FICO score
ALWAYS FREE
Apply today
Build & Save
Build Secured
$204
Annual
Limit
Reported to the bureaus to
boost your credit score
$17
Monthly
Spending Limit
Annual Savings
Two month savings when fees are paid annually.
Upgrade eligibility after 6 consecutive months of usage and ontime payments.
Security deposit of $17 required; refundable after 12 months of consecutive ontime payments.
Free financial literacy education
Free access to your FICO score
AS LOW AS
$2.99/mo
$29.99/yr
Apply today
Grow & Save
Grow Membership
$600
Annual
Limit
Reported to the bureaus to
boost your credit score
$50
Monthly
Spending Limit
Annual Savings
Two month savings when fees are paid annually.
Access to premium subscriptions
Access to exclusive subscription discounts from select partners
Free financial literacy education
Free access to your FICO score
AS LOW AS
$4.99/mo
$49.99/yr
Apply today
Accelerate Membership
$1,800
Annual
Limit
Reported to the bureaus to
boost your credit score
$150
Monthly
Spending Limit
Annual Savings
Two month savings when fees are paid annually.
Access to premium subscriptions
Access to exclusive subscription discounts from select partners
Cell phone bill payment
Free financial literacy education
Free access to your FICO score
AS LOW AS
$9.99/mo
$99.99/yr
Apply today
Don’t just take our word for it.
Growing your credit can change your life. Like these people...
“Back in 2019, while I was casually scrolling through Facebook, there was an ad that caught my attention - Grow Credit for free! At first, I thought, ‘This is too good to be true.’ I have tried just about every Credit Repair company or service to date. But to my surprise, Grow Credit is by far the best Credit Repair app. It's so easy to use, and there's no scam or "hard" credit check, it's merely a brilliant idea! Why did I not hear about it any sooner?”
- Angeli V.
“I signed up for Grow Credit unsure if it would work or not. But it did! So far with just one payment my credit jumped 12 points! Plus it’s easier to have all my bills in one place, which makes paying bills so much easier. Thank you, Grow Credit!”
- Anna S.
“My experience with Grow has been amazing. My credit took a hit after I had some medical hardships. Grow has helped me go from a 550 credit score to a 650. This is going to help me qualify for a new home.”
- Jonathan W.
“I started with Grow in February 2021. I figured that I’m paying for my subscriptions anyway, so if I could build my credit score in the process, why not? I picked the highest subscription tier. Now, four months later, my score has gone up 50 points! I couldn't believe it. It’s been amazing. This was the best random idea to come to me from an Instagram ad. Thanks Grow Credit!”
- Priscilla K.
“I am currently fixing my credit after a bad divorce. I want to buy my first home this year and Grow Credit has helped me establish credit again. My score has come up a lot since I started this journey. I’m only about 40 points away from my target credit score. I am very grateful for Grow Credit.”
- Twyla M.
“I knew going into Grow Credit what the process was all about, but what I didn’t expect was a +15 score increase in the first month. I was able to consolidate the majority of my subscriptions and I find it much easier to manage and much better for my credit score.”
- William L.
Frequently Asked Questions
What is Grow Credit?+
Grow Credit is dedicated to lowering the barrier of entry for millions of Americans who need to establish and build credit by allowing customers to automatically pay for their subscriptions through an interest-free virtual MasterCard. You can use your Grow card to pay for recurring subscription services such as Netflix, Hulu, Amazon Prime, Spotify, and many more. We report your monthly repayments to the three major credit bureaus so you can build your credit repayment history.
How much does Grow Credit cost? Does Grow charge interest?+
Grow Credit currently offers four plans. The Build plan is completely free, and there is no obligation to upgrade to a paid account at any time.

The Build Secured plan is an alternative for customers who do not meet the Build underwriting criteria, and it costs $1.99 per month. The Grow membership plan costs $4.99 per month, and the Accelerate plan costs $9.99 per month. Grow and Accelerate memberships provide higher monthly transaction limits, which can have a greater impact on your credit score.

We do not charge interest on any Grow Credit accounts.
How can Grow help me build my credit score?+
Using Grow allows you to demonstrate a repayment history to the credit bureaus for the subscription accounts you already have (or you can add new ones), without the cost of high interest rates. By providing a line of credit, Grow helps you build your credit score in several ways:
  • Automatically having your balance paid in full every month creates a consistent payment history, which accounts for 35% of your score.
  • Grow starts the clock on your average length of credit history, accounting for 15% of your score.
  • Grow adds another line of credit to your credit mix, which accounts for 10% of your score.
What do I need to get started? Can I join if I have bad credit or no credit history at all?+
You will need the following to begin your credit-building journey with Grow Credit:
  • A bank account where you deposit your income
  • A valid email address and phone number
  • A social security number
  • You must be a permanent resident of the United States.
  • You must be at least 18 years of age.
You can join Grow with no credit history or limited credit, and we do not pull your credit or use credit scores as a determining factor when applying for a Grow account.
Will Grow Credit perform a hard credit inquiry when I apply?+
We do not perform a hard credit check or use credit scores as a determining factor when applying for a Grow account. Grow Credit performs a soft credit check when you apply for an account for identification verification purposes only. Your application will not negatively affect your current credit score.
Which credit bureaus does Grow Credit report to?+
We report to Equifax, Experian, and TransUnion.
How long will it take for my credit score to be affected?+
Normally, you should begin seeing Grow Credit on your credit report 60-90 days after your first payment.
I have a business and want to partner with Grow Credit. Who do I contact?+
If you think your business should partner with Grow, please go to our partnerships page and fill out the inquiry form. A representative will respond within 5 business days.
How can I contact support?+
You can contact our customer support through the chat box on the bottom right hand corner of this page or by emailing us at behappy@growcredit.com.
“I have terrible credit and it seemed as if no one was willing to help me with the journey of rebuilding until I came across the Growth Credit app.”
James B.
Start building your
credit today!
Apply Today
Grow Credit is offered and serviced by Grow Credit, Inc. (“Grow Credit”), and is a combination of a virtual MasterCard provided by Sutton Bank and a loan provided by either Blue Ridge Bank, N.A. or MRV Banks.
Cellular network, messaging, and data rates may apply when using the Grow Credit app and/or website. Contact your carrier for details. All product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.
1 Eligibility for the Build Free Plan required. The cost of your credit issued by MRV Banks and accessible by the Sutton Bank Virtual Card is an Annual Percentage Rate of 0.00%, the Finance Charge is $0.00. 12 monthly payments equal to the balance of your Grow Credit account at the end of each calendar month. See your MRV Banks Loan Agreement for more details.
2 Note missed payments may have a negative impact on your credit score.
3 Credit scores and/or score improvements depicted in graphics and testimonials may not necessarily represent your score or reflect actual improvements attributable to use of Grow Credit. Missing or late payments may adversely affect your credit score.