Build Credit by Paying Subscriptions

Your credit score rating is without doubt one of the most vital numbers in terms of your funds. It determines your skill to entry new credit score and impacts the rates of interest you may get. 

Unfortunately, debtors with poor credit score typically discover themselves caught in an limitless loop. They can’t qualify for brand spanking new credit score due to their poor credit score rating, however they’ll’t enhance their credit score rating as a result of they’ll’t entry new credit score.

Grow Credit seeks to repair this downside with its credit-building Mastercard. Our Grow Credit evaluation will inform you the way it works, how a lot it prices and how one can resolve if it’s best for you.

Grow credit logo


Grow Credit helps you construct your credit score along with your month-to-month subscriptions. It gives most of the advantages of a standard bank card with out all the dangers.

  • Subscriptions out there



  • Build credit score along with your month-to-month subscriptions
  • Easy to enroll
  • No steadiness to hold
  • No curiosity expenses


  • Can’t be used for day by day spending
  • Higher month-to-month price for increased credit score limits
  • May require a safety deposit

What is Grow Credit?

Grow Credit is a digital service that permits you to construct your credit score just by paying to your on-line subscriptions every month. 

With the Grow Credit Mastercard, you’ll get the good thing about utilizing a bank card with out truly having to open a bank card or obtain a tough inquiry in your credit score report. 

The firm additionally doesn’t require a credit score rating, making it a good way to construct or enhance your credit score.

Grow Credit was based by Joe Bayen. The firm is headquartered in Santa Monica and has acquired practically $100 million in funding over the previous two years.

Grow Credit vs. Credit Cards

In some ways, Grow Credit resembles a typical bank card, however there are some key variations. 

First, you possibly can’t carry your Grow Credit Mastercard round with you to make use of to your day by day spending. Instead, it’s a digital card that you simply solely use to pay to your month-to-month subscriptions.

Another distinction between Grow Credit and different bank cards is you’ve got a low credit score restrict. You have simply sufficient to pay to your subscriptions, and you may’t carry a steadiness. 

As a consequence, there’s no risk of falling behind in your funds or racking up curiosity expenses.

The excellent news is that, from a credit score rating perspective, Grow Credit is rather like having a bank card in that you simply’ll construct your credit score historical past every month if you use the cardboard. 

Grow Credit doesn’t carry out a tough inquiry if you enroll, which means you received’t see a right away drop in your credit score rating as you’ll with different bank cards. 

In addition, inside 60-90 days, you need to begin seeing your credit score historical past and/or credit score rating develop due to your Grow Credit funds.

How Does Grow Credit Work?

Grow Credit permits you to construct your credit score by paying to your month-to-month subscriptions. It’s particularly designed to assist people who find themselves struggling to construct credit score as a result of they don’t have entry to bank cards or different instruments. 

Instead of getting to qualify with a credit score verify or a sure credit score rating, anybody can join Grow Credit.

Here are the steps to make use of Grow Credit.

1. Set Up Your Grow Credit Account

Grow Credit sign up

When you arrange an account, you’re making use of for an interest-free Mastercard. 

However, you received’t have a tough inquiry in your credit score report such as you would with different bank cards. Additionally, you possibly can’t carry a steadiness in your card. This is why there’s no curiosity.

2. Add Your Subscriptions

Grow Credit add subscriptions

Grow Credit permits you to pay for greater than 100 completely different subscriptions along with your new Mastercard. Simply join your month-to-month subscriptions to your Grow Credit account.

3. Use Your Grow Credit Mastercard

Grow Credit mastercard

Unlike different bank cards, you possibly can’t convey this one purchasing with you or use it to your day by day spending. Instead, you’ll add it because the cost technique to your month-to-month subscriptions.

4. Automatically Pay Off Your Balance

When you utilize your Grow Credit Mastercard to pay to your subscriptions, you’re technically charging them to the cardboard.

However, they’re robotically paid off utilizing your linked checking account. 

5. Build Your Credit

Grow Credit build your credit

Each month, Grow Credit will report your funds to the three main credit score bureaus, together with Equifax, Experian and TransUnion. As your month-to-month funds are reported, you’ll see your credit score historical past develop.

How Much Does Grow Credit Cost?

Grow Credit gives 4 plans starting from free to $7.99 per 30 days. The plans primarily differ in terms of your month-to-month spending restrict. The dearer plans permit for a better restrict, which may assist construct your credit score extra rapidly. 

Additionally, the costliest plan additionally permits you to use Grow Credit to pay your cellphone invoice.

Here’s a breakdown of the 4 Grow Credit plans:

Build Free Build Secured Grow Membership Accelerate Membership
Monthly value $0 $1.99 $3.99 $7.99
Annual restrict $204 $204 $600 $1,800
Monthly restrict $17 $17 $50 $150
Reports to a few credit score bureaus
Security deposit required
Access to premium subscriptions
Access to exclusion subscription reductions
Free monetary literacy schooling
Free FICO rating
Cell telephone invoice cost

The Build Secured plan works like a secured bank card the place you’ll need to pay a safety deposit that’s equal to your month-to-month spending restrict. Once you’ve made 12 consecutive on-time funds in your Grow Credit Mastercard, that is refundable. 

This plan is a substitute for the Build Free plan for many who don’t qualify for the free unsecured plan.

Key Features

Are you questioning whether or not Grow Credit is best for you? Here are just a few useful options that make this credit-building account a terrific alternative.

100+ Available Subscriptions

Grow Credit subscriptions

Grow Credit permits you to join your account to greater than 100 completely different month-to-month subscription providers and get credit score to your month-to-month funds. 

Included within the subscriptions listing are: 

  • Netflix
  • Hulu
  • HBO Max
  • Spotify
  • Paramount+
  • Disney+
  • Dollar Shave Club
  • IPSY
  • Billie
  • And extra

Grow Credit can also be seeking to develop its subscription listing. If you enroll and certainly one of your subscriptions isn’t linked to Grow Credit, you possibly can advocate it to the Grow Credit crew and so they’ll work so as to add it to their listing.

No Hard Inquiry

Applying for a bank card may end up in a tough inquiry in your credit score report, knocking a number of factors off your credit score rating. A success to your credit score rating is much more irritating for those who in the end find yourself getting denied the bank card. 

Luckily, Grow Credit does solely a delicate inquiry, so it received’t have an effect on your credit score rating.

No Interest

One of the largest downsides of conventional bank cards is their excessive rates of interest. Sometimes, debtors find yourself spending a lot on curiosity every month that they’ll’t absolutely repay their steadiness and in the end fall behind on their funds. 

Since Grow Credit’s purpose is that will help you construct your credit score, it eliminates that threat. You can’t carry a steadiness in your Grow Credit Mastercard, which means the rate of interest is at all times 0%.

Reports to Credit Bureaus

The most vital function of Grow Credit is that it experiences your funds to the three credit score bureaus.

These embody:

  • Equifax
  • Experian
  • TransUnion

You’ll begin seeing these funds in your credit score experiences inside 60-90 days. Soon after that, you may begin seeing your credit score rating rising.

Customer Reviews

One of one of the best methods to find out if a service is best for you is to listen to from present and former prospects. With 1000’s of critiques on-line, Grow Credit has loads of suggestions to evaluation. 

Here’s how Grow Credit stacks up throughout numerous ranking web sites:

Website Rating Number of Reviews
Apple App Store 4.6 out of 5 2,400
Google Play Store 4.7 out of 5 855
Trustpilot 3.3 out of 5 2

Here’s what a few of Grow Credit’s prospects need to say:

“I have been using grow credits free plan for a few months now to pay a few streaming subscriptions and have gotten a few credit score bumps from it.” – b4Ronin

“I saw an ad for this on Instagram and thought it was too good to be true, and I was told if it is it’s probably true but Grow Credit doesn’t fall into that category. It’s so easy to use, there’s no scam or credit checks, it’s a brilliant idea!” – Stryder1017

“I attached it [the card] to all of my streaming subscriptions! But after that, I can’t log into my app.” – Luckycutie (Note: A consultant from Grow Credit clarified that this person’s expertise was as a consequence of a short lived login bug that has since been mounted.)

Alternatives to Grow Credit

There are surprisingly few choices to assist debtors construct credit score with out going the standard route of taking out a mortgage or a bank card. The selections have elevated lately, however Grow Credit remains to be forward of the sport. 

However, there are just a few rivals available on the market. Here are some alternate options to Grow Credit.

Experian Boost 

Experian Boost mainly does what Grow Credit does. It helps you construct your credit score rating utilizing your month-to-month funds. 

But, slightly than utilizing a bank card to do it, Experian Boost merely provides your month-to-month funds to your Experian credit score report. Monthly funds can embody your telephone invoice, utilities, streaming providers and extra.

Experian Boost is free to make use of. Unfortunately, it solely works to your Experian credit score report. This is sensible since it’s provided by Experian.


Kikoff is one other credit-building program that requires no laborious inquiry, no curiosity expenses and no threat of racking up a steadiness. 

With this service, you’ll join a credit score account with a $500 line of credit score. You can use the mortgage within the Kikoff retailer with costs beginning at simply $10. 

As you make your month-to-month funds, Kikoff will report them to the three credit score bureaus to assist increase your credit score rating.

Kikoff prices $2 per 30 days to make use of and expenses no charges or curiosity.


Self is a credit-building mortgage that permits you to construct credit score by basically borrowing cash from your self. With this service, your “loan” is positioned right into a financial savings account or certificates of deposit. 

Each month, you’ll make your mortgage funds. Once you’ve paid off the total mortgage, you’ll obtain the funds again, minus any financing charges. 

Similar to Grow Credit, Self gives the advantages of one other borrowing product with out all the dangers.

Check out our Self Review to study extra.


Before you join Grow Credit, these regularly requested questions are price reviewing.

What can you utilize Grow Credit for?

You can use Grow Credit for greater than 100 completely different month-to-month subscriptions. These embody your favourite streaming providers, subscription bins and extra.

Does Grow Credit pull your credit score?

Grow Credit makes use of a delicate inquiry as a substitute of a tough inquiry. This signifies that it received’t harm your credit score rating.

What financial institution does Grow Credit use?

Grow Credit is the corporate that gives the credit-building service. However, the precise Mastercard you’ll obtain is run by means of Sutton Bank

Do month-to-month subscriptions construct credit score?

Monthly subscriptions don’t normally construct your credit score. However, with a service like Grow Credit, you possibly can construct your credit score with these month-to-month subscription funds.

Is Grow Credit secure?

Yes. Grow Credit makes use of up-to-date safety protocols to guard your information. This consists of 256-bit encryption in addition to Plaid.


If you’ve been making an attempt to enhance your credit score rating, then you understand simply how tough it may be. Grow Credit helps to simplify the method by permitting you to spice up your credit score rating utilizing the month-to-month funds you’re already making. 

There is a month-to-month price for many Grow Credit plans, however there’s little of the danger that comes with different bank cards. This permits you to construct your credit score with out getting in over your head. 

In addition, with few rivals available on the market, Grow Credit is certainly price contemplating.