Build credit fast using your subscriptions.
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Build credit
Grow Credit is extremely effective.
How it works
Get set up with your Grow Credit account
Add your
subscriptions
Use your new Grow Credit account as your payment method
Sit back and watch your credit grow
Low credit? No problem. Signing up and applying for your Grow Credit account is easy.
Add subscriptions to your Grow Credit account using our list of 100+ available subscriptions.
Add your card number to your new and existing subscription accounts, to be paid consistently with your new Grow Debit Mastercard.
Your subscriptions are paid with your new card and your payments are made consistently which contributes to a better credit score.
Grow Credit is extremely effective.
Build credit fast by up to 44 points 1
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 3
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 Credit Mastercard.
Sit back and watch your credit grow
You pay your subscriptions with your new card and then pay off your card balance consistently, which could contribute to a better score.
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
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. 4
"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 starter 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.5 Add Grow Credit to help you get to 5.
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1 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. Credit score improvement is not guaranteed.
2 Note missed payments may have a negative impact on your credit score.
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.
5 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 Paid 6
$3.39 Monthly Plan Fee
$204 Annual Limit
Reported to the credit bureaus to boost your score
$17 Monthly Spending Limit
No security deposit required
No late fees. No hidden fees.
No hard credit check.
No credit required.
Build credit with subscriptions
Automatic payments
Low credit utilization built-in (< 9%)
Reports to all 3 major credit bureaus
Access to your Credit score
Exclusive subscription discounts & trials
Financial literacy education
Build Starter
$3.39 Monthly Plan Fee
$204 Annual Limit
Reported to the credit bureaus to boost your score
$17 Monthly Spending Limit
$17 starter deposit required
No late fees. No hidden fees.
No hard credit check.
No credit required.
Build credit with subscriptions
Automatic payments
Reports to all 3 major credit bureaus
Low credit utilization built-in (< 9%)
Access to your Credit score
Exclusive subscription discounts & trials
Financial literacy education
Starter Plans
Grow Membership
$5.94 Monthly Plan Fee
$600 Annual Limit
Reported to the credit bureaus to boost your score
$50 Monthly Spending Limit
No starter deposit required
No late fees. No hidden fees.
No hard credit check.
No credit required.
Build credit with subscriptions
Automatic payments
Reports to all 3 major credit bureaus
Low credit utilization built-in (< 9%)
Access to your Credit score
Exclusive subscription discounts & trials
Financial literacy education
Access to premium subscriptions
Accelerate Membership
$11.04 Monthly Plan Fee
$1,800 Annual Limit
Reported to the bureaus to boost your credit score
$150 Monthly Spending Limit
No starter deposit required
No late fees. No hidden fees.
No hard credit check.
No credit required.
Build credit with subscriptions
Automatic payments
Reports to all 3 major credit bureaus
Low credit utilization built-in (< 9%)
Access to your Credit score
Exclusive subscription discounts & trials
Financial literacy education
Access to premium subscriptions
Cell phone bill payment
The Grow Credit Card and related banking services are provided by Cross River Bank Member FDIC. Upwardli Financial Inc. is a technology services provider and the administrator of the Grow Credit card program. Deposits FDIC-insured up to $250,000 through Cross River Bank. Line of credit is not a deposit product. Cards may be used everywhere Mastercard is accepted.
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 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. Credit score improvement is not guarantee
2 Note missed payments may have a negative impact on your credit score.
3 Prices displayed for monthly expenses of certain goods and services are representative examples only.
4 Limited to legal US residents.
5 According to https://www.experian.com/blogs/ask-experian/what-is-a-thin-credit-file-and-how-will-it-impact-your-life/
6 Eligibility for a Grow Credit Plan requires passing the underwriting criteria. There will be no hard credit pulls. See your Loan Agreement for more details.
FEATURED IN
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**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.
Grow Credit reports to all major credit bureaus every month, to help establish, build, and grow your credit month-over-month.2
Build credit fast by up to 44 points 1
Grow Credit reports to all major credit bureaus every month, to help establish, build, and grow your credit month-over-month.2
Grow Credit reports to all 3 major credit bureaus.
Non-Starter Plans
Grow Starter
$5.94 Monthly Plan Fee
$600 Annual Limit
Reported to the credit bureaus to boost your score
$50 Monthly Spending Limit
$50 starter deposit required
No late fees. No hidden fees.
No hard credit check.
No credit required.
Build credit with subscriptions
Automatic payments
Reports to all 3 major credit bureaus
Low credit utilization built-in (< 9%)
Access to your Credit score
Exclusive subscription discounts & trials
Financial literacy education
Access to premium subscriptions
Accelerate Starter
$11.04 Monthly Plan Fee
$1,800 Annual Limit
Reported to the bureaus to boost your credit score
$150 Monthly Spending Limit
$150 starter deposit required
No late fees. No hidden fees.
No hard credit check.
No credit required.
Build credit with subscriptions
Automatic payments
Reports to all 3 major credit bureaus
Low credit utilization built-in (< 9%)
Access to your Credit score
Exclusive subscription discounts & trials
Financial literacy education
Access to premium subscriptions
Cell phone bill payment