Build credit fast using your subscriptions.
Start building your credit today!
© 2024 Grow Credit Inc. All Rights Reserved
Build credit.
For free.
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 has helped me get my credit score up almost 30 points! It has helped me a lot to have on-time payments reported every month just by paying for my subscriptions.” 6
-Richard A.
Don't just take our word for it.
Growing your credit can change your life. Like these people...
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
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.
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.***
Grow Credit builds credit factors that make up 90% of your credit score.3
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.5 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.4
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.
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 Free 7
$0 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 FICO® score
Exclusive subscription discounts & trials
Financial literacy education
Build Secured
$3.39 Monthly Plan Fee
$204 Annual Limit
Reported to the credit bureaus to boost your score
$17 Monthly Spending Limit
$17 security 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 FICO® score
Exclusive subscription discounts & trials
Financial literacy education
Grow Membership
$5.94 Monthly Plan Fee
$600 Annual Limit
Reported to the credit bureaus to boost your score
$50 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
Reports to all 3 major credit bureaus
Low credit utilization built-in (< 9%)
Access to your FICO® 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 security 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 FICO® score
Exclusive subscription discounts & trials
Financial literacy education
Access to premium subscriptions
Cell phone bill payment
WELCOME, PERK SHARE FAMILY
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. Progressive is not affiliated with these entities and is not responsible for their products or services, or how they handle your information. Information you provide to Grow Credit is subject to their privacy policy and website terms of use and may be shared with Progressive. Progressive receives compensation for the referred loans opened by Grow Credit.
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 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.
7Eligibility for the Build Free Plan requires passing the underwriting criteria and linking a bank account. There will be no hard credit pulls. 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.
Used with services like...
FEATURED IN
*
**
**
* Eligibility for the Build Free plan required.
**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
