using your subscriptions.

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© 2023 Grow Credit, Inc. All Rights Reserved

Build credit

for free

Privacy PolicySecurityTerms of Use

Grow Credit is offered and serviced by Grow Credit Inc. (“Grow Credit”), and is a combination of a virtual Mastercard debit card provided by Sutton Bank and a loan provided by Blue Ridge Bank, N.A. Member FDIC. Grow Credit is not a bank, and is not FDIC insured.

Cellular network, messaging, and data rates may apply when using the Grow Credit app and/or website. Contact your carrier for details. All product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.

1. Eligibility for the Build Free 12 Month Plan required. Your Build Free Plan is free for the first 12 months, after which it will be $2.99/mo. See your Loan Agreement for more details.

2. Data based on 86,567 unique customers with at least one credit score as of October 2023. For customers with multiple credit scores the analysis takes the first score compared to the customer’s highest score observed by Grow Credit. For those with 1 credit score we calculate the score improvement as 0. On average, the typical user achieved their maximum credit score in 8 months. Changes in credit score vary by individual customer behavior and credit history.

3. Note missed payments may have a negative impact on your credit score.

4. According to

5. Grow Credit is NOT a credit repair service and does not remove negative history from your credit profile.  Testimonial Disclaimer: Individual results will vary. Unique experiences and past performance for individuals do not guarantee future results for other individuals. Testimonials may not be representative of all individuals and certain individuals may have inferior results than indicated in testimonials.

6. Access to premium and cell phone plans require one successful on-time statement payment.


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Welcome to Grow!

Build credit

for free

Grow just

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.

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.

Use your new Grow Debit Mastercard on your subscriptions

Add your card to your new and existing subscriptions, and pay them on-time with your new Grow Debit Mastercard.

“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.


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Secured plans available

Start building your credit, today!

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using your subscriptions.

Grow Credit builds credit factors that make up 90% of your credit score

No hard credit inquiry required.

Grow Credit builds credit factors that make up 
90% of your credit score

No hard credit inquiry required.

Payment History
Make on-time payments in full every time with automatic payments.

Utilization Rate
You can only access <9% of the total credit reported each month.

Credit Age
Grow Credit can start the clock on your average length of credit history.

Credit Mix
Adding another line of credit to your credit mix can improve your score.

Build credit fast 
by up to 44 points.

Grow Credit reports to all major credit bureaus every month, to help establish, build, and grow your credit month-over-month.


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