Grow Credit
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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.
How do I close my account?
To close your account, please contact our customer support team through the chat box on the bottom right corner of this page, or email us at behappy@growcredit.com.

Before you close your account, it might be helpful to understand that keeping your Grow Credit account active will help you continue to build your credit score at no charge, even if you have another credit-building card.

Two factors in your credit score are the average length of your credit history and your mixture of credit products. Having an active Grow Credit account will help you with both:
  • Building credit takes time. Your average credit history length, meaning how long you have had a credit card or loan, accounts for about 15% of your score. Maintaining any financial products in good standing for an extended period of time will benefit your credit score performance in the long run.
  • People are considered thin-file consumers whenever they have less than 5 financial products on their credit profile. Thin-file consumers are considered riskier borrowers, which puts a ceiling on their credit score and leads to higher interest rates on loans and other financial products. That is why we recommend that you hold on to your free Grow account indefinitely.
Keeping your Grow account, even while using other credit-building methods, will help your credit score performance in the long run. You can read more about the effects of closing a credit account on our blog article “Why You Should Never Close a Credit Account.”
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