Build credit.
For free.
Grow Credit offers a free Mastercard you
can use to pay your subscriptions and
build your credit.
"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 on-time payments to all three major credit bureaus (Equifax, Experian and Transunion) which helps establish or boost your credit score.
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.
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.
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 Free
$17
Monthly
Spending Limit
$204
Annual Limit
Reported to the bureaus to boost your credit score
Free financial literacy education
Free FICO score
ALWAYS FREE
Build & Save
Build Secured
$204
Annual
Limit
Reported to the bureaus to
boost your credit score
$17
Monthly
Spending Limit
BUILD & SAVE
$12 Savings in the first year with one
of over 100 popular subscriptions
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 FICO score
AS LOW AS
$1.99/mo
$2.99/mo
Grow & Save
Grow Membership
$600
Annual
Limit
Reported to the bureaus to
boost your credit score
$50
Monthly
Spending Limit
GROW & SAVE
$12 Savings in the first year with one
of over 100 popular subscriptions
Access to premium subscriptions
Periodic balance increases
Access to exclusive subscription discounts from select partners
Free financial literacy education
Free FICO score
AS LOW AS
$3.99/mo
$4.99/mo
Accelerate Membership
$1,800
Annual
Limit
Reported to the bureaus to
boost your credit score
$150
Monthly
Spending Limit
GROW & SAVE
$24 Savings in the first year with one
of over 100 popular subscriptions
Access to premium subscriptions
Periodic balance increases
Access to exclusive subscription discounts from select partners
Cell phone bill payment
Free financial literacy education
Free FICO score
AS LOW AS
$7.99/mo
$9.99/mo
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 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 Program, including Build, Grow and Accelerate Memberships are available to residents in the US nationwide.
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 $17 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.
“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!