Build credit fast using your subscriptions.
Start building your credit today!
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Build credit.
For free.
Grow Credit is very effective.
How it works
Apply for your Grow Credit MasterCard.
Change your subscription
payment method.
Your connected bank account pays us back.
Watch your FICO score grow.
No credit? No problem! Signing up is easy.
Use your Grow Credit MasterCard to pay for your subscriptions. Choose from our list of over 100 subscriptions.
We automatically withdraw your payment each month. We also accept debit cards for payments.
We report your on time payments to all 3 credit bureaus and update your FICO score monthly.
Don't just take our word for it.
Growing your credit can change your life. Like these people...
Grow Credit is very effective.
Apply for your Grow Credit MasterCard.
No credit? No problem! Signing up is easy.
Change your subscription
payment method.
Use your Grow Credit MasterCard to pay for your subscriptions. Choose from our list of over 100 subscriptions.
Your connected bank account pays us back.
We automatically withdraw your payment each month. We also accept debit cards for payments.
Watch your FICO score grow.
We report your on time payments to all 3 credit bureaus and update your FICO score monthly.
Actual testimony from a Grow Credit user:
Grow Credit is for everyone.
Grow Credit is designed to improve
credit factors that matter.
Grow Credit has your best interest in mind.
Access Your
FICO® Score
Only FICO® Scores are used by 90% of the top lenders.5 We offer a FICO® Score 8 each month so you can keep track of your credit building progress. It costs us a bit more, but we think it's worth it.
No Late Fees. No Interest.6,7
No Hidden Fees.
On-time payment is really important, but if you are unable to pay, we don't charge late fees or interest. We don't think it's right to put on another charge when you're already having a hard time.
Exclusive Subscription Discounts & Trials
Brands love Grow Credit's financial inclusion mission and love that Grow Credit users stick with them so they offer discounts and trials to sign up for their services.
"The Grow Credit MasterCard is ideal for those with no credit or poor credit."
Bad credit. Low credit. Everyone is welcome.***
“This is the easiest “set it and forget it” way to boost your credit score. Use the virtual card as a payment method for recurring subscription such as Netflix, then set it to auto-pay. With 3 months use, my score is already up 39 points.”
Aug 9, Amandalovesyounique
Easy way to boost score!
Grow Credit builds credit factors that make up 90% of your credit score.2
Payment History
Grow Credit helps you make on-time payments by allowing you to setup automatic payments to pay your Grow Credit account on time, in full every month.
Credit Utilization
Grow Credit has low credit utilization built-in. You can only access < 9% of the total credit reported each month.
Length of Credit History
Grow Credit can start the clock on your average length of credit history. Our plans are affordable so you can keep it open for a long time.
Grow Credit adds another line of credit to your credit mix, which can improve your score.
"A pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services."
Cash-strapped users
Not everyone can afford to put down a $200 security deposit for a secured credit card. Grow Credit requires a $0 or maximum $17 security deposit.
"A useful tool for climbing the ladder and eventually qualifying for a better card."
Users with less than 5 credit accounts
According to Experian, if you have less than 5 credit accounts, you're considered a thin credit file.4 Add Grow Credit to help you get to 5.
$
Grow Credit reports to all 3 major credit bureaus.
There are three nationwide credit bureaus in the U.S. that provide FICO Scores used by 90% of the top lenders.3
1 Data is based on 33,916 active on-time users’ monthly FICO scores, cohorted and anonymized through March 2023. Excludes accounts past due or suspended at the time of the analysis. Individual results will vary.
5 According to https://www.myfico.com/credit-education/what-is-a-fico-score
**Credit scores and/or score improvements depicted in graphics and testimonials may not necessarily represent your score or reflect actual improvements attributable to use of Grow Credit. Missing or late payments may adversely affect your credit score.
4 According to https://www.experian.com/blogs/ask-experian/what-is-a-thin-credit-file-and-how-will-it-impact-your-life/
*** Limited to US residents.
Memberships
Build Free
$0 Monthly Plan Fee
$204 Annual Limit
Reported to the bureaus to boost your credit score
$17 Monthly Spending Limit
No security deposit required
No interest.6 No late fees. No hidden fees.
No hard credit check.
No credit required.
Perfect for paying 1 subscription
Reports to all 3 major credit bureaus
Automatic payments
Access to your FICO® score
Free financial literacy education
12 month plan
Build Secured
$2.99 Monthly Plan Fee
$204 Annual Limit
Reported to the bureaus to boost your credit score
$17 Monthly Spending Limit
$17 security deposit required
Save $ paying $29.99/yr
No interest.7 No late fees. No hidden fees.
No hard credit check.
No credit required.
Perfect for paying 1 subscription
Reports to all 3 major credit bureaus
Access to your FICO® score
Automatic payments
Free financial literacy education
Grow Membership
$4.99 Monthly Plan Fee
$600 Annual Limit
Reported to the bureaus to boost your credit score
$50 Monthly Spending Limit
No security deposit required
Save $ paying $49.99/yr
No interest.7 No late fees. No hidden fees.
No hard credit check.
No credit required.
Perfect for paying 2-3 subscriptions
Reports to all 3 major credit bureaus
Access to your FICO® score
Automatic payments
Free financial literacy education
Accelerate Membership
$9.99 Monthly Plan Fee
$1,800 Annual Limit
Reported to the bureaus to boost your credit score
$150 Monthly Spending Limit
No security deposit required
Save $ paying $99.99/yr
No interest.7 No late fees. No hidden fees.
No hard credit check.
No credit required.
Cell phone or Insurance bills
Reports to all 3 major credit bureaus
Access to your FICO® score
Automatic payments
Free financial literacy education
Grow Credit is offered and serviced by Grow Credit, Inc. (“Grow Credit”), and is a combination of a virtual MasterCard provided by Sutton Bank and a loan provided by either Blue Ridge Bank, N.A. or MRV Banks.
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.
6 Eligibility for the Build Free Plan required. The cost of your credit issued by MRV Banks and accessible by the Sutton Bank Virtual Card is an Annual Percentage Rate of 0.00%, the Finance Charge is $0.00. 12 monthly payments equal to the balance of your Grow Credit account at the end of each calendar month. See your MRV Banks Loan Agreement for more details.
7 The cost of your credit issued by Blue Ridge Bank, NA is an Annual Percentage Rate of 0.00%, the Finance Charge is $0.00. 12 monthly payments equal to the balance of your Grow Credit account at the end of each calendar month. See your Blue Ridge Bank, NA Loan Agreement for more details.
Used with services like...
FEATURED IN
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* Eligibility for the Build Free plan required. 6
**Credit scores and/or score improvements depicted in graphics and testimonials may not necessarily represent your score or reflect actual improvements attributable to use of Grow Credit. Missing or late payments may adversely affect your credit score.
Meet Joe
Joe Bayen pioneered Grow Credit, the first credit building product that lends you money to pay for your subscriptions. Born in Cameroon and raised in Paris, he came to the U.S. via a Div 1 track scholarship. After University, he successfully founded ‘Free App a Day’ and truly experienced The American Dream. However he would find his real purpose with the founding of Grow Credit. The mission for Grow Credit has always been two simple words: Financial Inclusion. Joe’s passion comes from wanting to give back, helping the 100+ million Americans who can benefit from financial inclusion.
