Grow just
works.

Get set up with your Grow Credit account

Low credit? No problem. Signing up and applying for your Grow Credit account is easy.

Add your subscriptions

Add subscriptions to your Grow Credit account using our list of 100+ available subscriptions.

Use your new Grow Credit account as your payment method

Add your card number to your new and existing subscription accounts, to be paid consistently with your new Grow Debit 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. Learn more.

Memberships

Designed for growth, reporting to:

Build

Free¹

Spending limit is $17/moand is perfect for paying for 1 subscription.

Free for the first 12 months, then $3.99/mo

Reports to all 3 major credit bureaus
Access to your FICO® Score
Automatic payments
Free financial literacy education
Access to premium subscriptions
Cell phone bill payment

Don’t just take our word for it

Growing your credit can change your life. Like these people...⁵

W
William L.
“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.”
A
Angeli V.
“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?”
A
Anna S.
“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!”
J
Jonathan W.
“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.”
P
Priscilla K.
“Four months later, my score has gone up 50 points! I couldn't believe it. This was the best random idea to come to me from an Instagram ad. Thanks Grow Credit!”
T
Twyla M.
“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.”
W
William L.
“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.”
A
Angeli V.
“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?”

FAQ

Have any questions?

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 virtual Debit Mastercard. Grow Credit issues a closed end loan which is accessed by a Debit Mastercard to pay your subscriptions. Credit building starts by repaying your loan. You can use your Grow Debit Mastercard 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?

Grow Credit currently offers seven plans. Your monthly spending limit and cost depend on your eligibility and which plan you choose. The annual reported limit is calculated based on your monthly spending limit x 12 months.

Grow Credit underwrites loans using a proprietary machine learning model that takes the last 60-90 days of your banking activity into account. When you register for Grow and link your bank account via Plaid, Grow analyzes your account to determine which memberships you are eligible for.

We charge membership fees for our secured and premium-tier accounts because they are considered higher risk from an underwriting perspective. Charging membership fees allows us to provide higher monthly spending limits or expand access for those who would otherwise be ineligible.

Approval of an account is not guaranteed. Approvals are subject to successful underwriting and identity verification.

For additional information regarding plan options and pricing, please visit our Pricing page.

How can Grow help me build my credit score?

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 pay for their subscriptions through a virtual Debit MasterCard. This Debit Mastercard is linked to a loan in which your on-time payments are reported to the Bureaus.

You can use your Grow card to pay for Netflix, Hulu, Spotify, and many more.

Grow provides a repayment history for subscriptions without the high cost of credit cards.

Grow Credit helps you build your credit score in several ways:

Automatically having your balance paid in full every month creates a solid payment history, which is 35% of your FICO score.
If you have no current credit, Grow starts the clock on your average length of credit history, which is 15% of your FICO score.
Grow adds another line of credit to your credit mix, which is 10% of your FICO score.

Grow Credit does not conduct a hard credit check.

What do I need to get started? Can I join if I have bad credit or no credit history at all?

To begin your journey with Grow Credit, you will need the following:

A bank account where you deposit your income or a bank-issued debit card in your name
A valid email address
A valid phone number capable of receiving SMS messages
A Social Security Number (SSN)
You must be a permanent resident of the United States with a physical address in one of the 50 states or District of Columbia
You must be at least 18 years of age

You can join Grow with no credit history or limited credit. We do not take credit score into account when considering your application. However, we evaluated your banking history and activity for our underwritting.Please click here to view our Privacy Notice.

Will Grow Credit perform a hard credit inquiry when I apply?

Grow Credit performs a soft credit check when you apply for an account for identity verification purposes. We do not perform a hard credit check or use FICO scores as a determining factor when applying for a Grow account. Your application with Grow Credit will not negatively affect your credit score.

Payment History

Utilization Rate

Credit Age

Credit Mix

Don’t just take our word for it

William L.

Angeli V.

Anna S.

Jonathan W.

Priscilla K.

Twyla M.

William L.

Angeli V.