Grow Credit does not charge fees for missed or late payments, or when you close your account.

We charge fees for our secured and premium-tier accounts because they are considered higher risk from an underwriting perspective. Charging fees allows us to provide higher monthly spending limits or expand access for those who would otherwise be ineligible.

For each of our plans, you only repay what you actually charge on the card, plus any applicable plan fees. If your plan includes monthly fees, they are owed even if you don’t use the card that month. Just paying the fee is reported to the credit bureaus as an on time payment.

For additional information regarding plan options and pricing, please visit our Pricing page.