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What is Grow Credit?
Grow Credit helps individuals easily build credit through their recurring monthly subscription payments.

The program is structured as an installment loan accessed through a Grow Credit Mastercard.

The Grow Credit Mastercard is a virtual card specifically designed to process subscriptions payments from qualified subscription-based companies only.

Consumers can easily apply in minutes to the program through our iOS app, Android app, or website.

If approved, users can update their payment method at an existing subscription provider of their choice to their new Grow card, or join a new service using the card as their payment method.

Grow Credit accounts must be repaid in full monthly via electronic (ACH) payment from a linked bank account.
We then report users’ Grow repayments to TransUnion, Experian, and Equifax, giving our customers an opportunity to demonstrate positive repayment history and build credit.
Where is Grow Credit available?
Our Free Build Membership is available to all residents in the US Nationwide.
Our premium Grow and Accelerate Memberships are currently available to residents in California, with Nationwide availability coming soon.
What do I need to get started?
Here's what you need to start your credit building journey:
  • A bank account
  • Valid Email address
  • Valid Phone number
  • Social security number (SSN)
  • Be a valid permanent U.S. resident with a U.S. physical residence
  • At least 18 years of age
How long does it take to join Grow Credit?
It often takes less than 5 minutes to apply for a Grow Credit Mastercard and establish your Grow Credit Account.
Can I use Grow Credit to build credit for my business?
At this time, Grow Credit is only available to individuals.
Do I need a bank account to sign up?
Yes, you do need a bank account in order to join Grow Credit.
How do I authenticate my identity?
In order to join Grow Credit, you need to be:
  • a U.S. resident; and
  • at least 18 years old; and
We utilize third party sources to validate your identity. The security of your information is our number one priority.
How can I file a complaint?
Firstly, we regret that you feel the need to file a complaint. We really care about your experience with Grow Credit and we want to make your experience as smooth and as excellent as possible. You can file your complaint in any of the following ways:
  • send us a secure a message through our Contact page; or
  • email our team at behappy@growcredit.com; or
  • write us at Grow Credit, Inc. 1447 2nd Street #200 Santa Monica 90401
Note: Do not include personal information such as SSN, account number, etc. using email or messaging.
How can I suggest a feature?
Do you have a great idea that you think will make Grow Credit even better? We're all ears! We are constantly looking to improve and appreciate your feedback.
Please send us your suggestions to behappy@growcredit.com
I am a subscription company and want to partner with Grow Credit. Who do I contact?
Please contact us at partnerships@growcredit.com and tell us a little bit about yourself and your partnership idea.
How much does Grow Credit cost?
Grow Credit is completely free to use. We do offer paid premium plans that allow for a larger card limit and additional features. Please refer to growcredit.com/#fees for information on the features and benefits of the plans we offer.
Is there a fee for closing my account early?
There are no fees for closing your account however, we expect your balance to be paid in full at the time of your closure request. If you are having a financial hardship and need to discuss any unpaid Account balance, please reach out to our Customer Success team at behappy@growcredit.com
What happens if I can't pay my Grow Credit Account?

If a loan payment is more than 30 days past due, the payment will be reported as "late" to the credit bureaus.
If you cannot make your payment on time, please contact behappy@growcredit.com to discuss your options.
How do I cancel my Grow Credit Account?
If you wish to cancel your Grow Credit Account, you can do so from the main settings tab within the app, or feel free to contact our customer success team at behappy@growcredit.com
How do I update my account information with Grow Credit?
You can access your account settings under your user dashboard.
How will I know when new subscriptions are available to add to my account?
We will notify you via email.
Does Grow Credit do a “hard inquiry” on when I apply? Will applying for Grow Credit affect my credit score?
Grow Credit only performs a soft credit check for identification purposes when you apply for an account, and your application with Grow Credit should not negatively affect your credit score.
Which credit bureaus does Grow Credit report to?
Grow Credit reports to TransUnion, Experian, and Equifax.
What plans does Grow Credit offer?
Grow Credit offers three plans.
  • Our FREE plan gives you a monthly spending limit of $15 per month
  • Our first premium plan is $4.99 (up to $50/monthly spending limit)
  • Our top-tier premium plan is $9.99 (up to $150/monthly spending limit).
We charge a monthly membership fee for our premium accounts with higher credit limits. We do not charge interest on your Grow Credit account.
How long will it take for my credit score to be affected?
We report your account balance and repayment history to the credit bureaus at the end of each month. It can take 60-90 days for this information to appear on your credit report.
Couldn’t find what you’re looking for?
More detailed information is available in our self-help center
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