Payment history reported to all 3 major credit bureaus

Put your cell-phone bill to work with Grow Credit.

Use Grow Credit toward eligible cell-phone bills, up to your available spending limit. We report your on-time payments to all three major credit bureaus, which may help build your credit history over time.

Explore membership options View qualifying subscriptions

Supported cell-phone carriers

Use Grow Credit with the carriers below. Eligibility and spending limit depend on your plan.

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Verizon Wireless

AT&T

Sprint

T-Mobile

Metro T-Mobile

Cricket Wireless

Boost Mobile

Simple Mobile

Mint Mobile

USCellular

Visible

Xfinity Mobile

Choose your Grow Credit membership

All plans offer access to eligible cell-phone bill payments, subject to plan spending limits and eligibility requirements. Additional features and benefits vary by plan.

Compare plans
BUILD

Eligible cell-phone bills may qualify, subject to your $17 monthly spending limit.

Membership cost
$3.99 / mo
Monthly spending limit
$17 / mo
GROW

Eligible cell-phone bills may qualify, subject to your $50 monthly spending limit.

Membership cost
$6.99 / mo
Monthly spending limit
$50 / mo
ACCELERATE

Eligible cell-phone and insurance bill payments, subject to your $150 monthly spending limit and applicable eligibility requirements.

Membership cost
$12.99 / mo
Monthly spending limit
$150 / mo
STARTER

Built for eligible cell-phone users.

Membership cost
$3.99–$12.99 / mo
Monthly spending limit
$17–$150 / mo

About the Starter plan security deposit

The Starter plan requires a refundable security deposit. Customer security deposits are maintained in a separate account at Wells Fargo Bank, N.A., rather than in Grow Credit's operating account. The deposit is not used for other purposes, does not earn interest, and is returned after successful completion of the original 12-month term, or upon account closure if the Grow Secured account is paid in full, subject to the terms in your User Agreement.

Learn more about deposits

Other qualifying subscriptions

Use Grow Credit with the services below. Eligibility and spending limit depend on your plan.

Dollar Shave Club logo
HBO Max logo
Hulu logo
Netflix logo
Pandora logo

Grow Credit provides a payment card for eligible transactions, subject to your available spending limit and applicable program and merchant rules. Grow Credit does not administer your cell-phone provider’s billing, allocate payments toward a remaining balance, or control the provider’s payment acceptance or AutoPay discounts.

Important information about subscriptions: Eligible subscriptions and spending limits may vary by plan and are subject to change. Not all subscription services are eligible. Eligibility and merchant restrictions apply.

The Grow Credit Card is issued by Cross River Bank, Member FDIC, pursuant to a program managed by Upward Financial Inc. The line of credit provided by the Grow Credit Card is not a deposit product. Separate security deposit products, if offered, are maintained at Wells Fargo Bank, N.A., are not used to fund the line of credit, do not earn interest, and are returned according to the terms in the Cardholder Agreement. See the Cardholder Agreement and Program Terms for details.