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What is Grow Credit?
Grow Credit helps you responsibly build credit.
Our users have the opportunity to apply for a Grow Credit Mastercard, is specifically designed to process subscriptions payments from qualified subscription-based companies. Your Grow Credit Account must be repaid in full monthly via electronic (ACH) payment from your bank account. We report payments to Equifax and Experian, giving our customers an opportunity to build credit.
Where is Grow Credit available?
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Maine, Massachusetts, Michigan, Mississippi, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
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, and if you received a message requesting more information during the sign up process, then we just need some additional information to confirm your identity.
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; or
  • write us at Grow Credit, Inc. 1447 2nd Street #200 Santa Monica 90401
  • Do not include personal information such as SSN, account number, etc. within an email.
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 or directly from the contact page (link),
I am a subscription company and want to partner with Grow Credit. Who do I contact?
Please contact us at 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 a paid premium plan that allows for a larger card limit and additional features. Please refer to 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.
We can be reached by:
email at
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" on your credit report.
If you cannot make your payment on time, please contact as soon as possible to discuss your options.
How do I cancel my Grow Credit Account?
If you wish to cancel your Grow Credit Account, please contact our customer success team.
We can be reached by:
email at or by phone at (888) 244-5886
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 Equifax and Experian, two of the largest credit bureaus in the world.
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.