Grow Credit is dedicated to lowering the barrier of entry for millions of Americans who need to establish and build credit by allowing customers to automatically pay for their subscriptions through an interest-free virtual MasterCard. You can use your Grow card to pay for recurring subscription services such as Netflix, Hulu, Amazon Prime, Spotify, and many more. Grow Credit is structured as a closed-end term loan.

Grow has a simple system to help consumers with their credit-building needs:

  1. Sign up with Grow Credit, either through our iOS app, Android app, or on our website.

  2. When approved, we will issue a virtual MasterCard to access your loan. The monthly limit depends on which plan you choose and your eligibility.

  3. Switch your payment method to Grow from your account settings for whichever subscriptions you choose to pay with your virtual card.

  4. On the 10th of every month, your balance will be automatically transferred from your associated bank account via ACH bank transfer. There is no interest on the loan.

We report your monthly repayments to the three major credit bureaus, Equifax, Experian and TransUnion, so you can build your repayment history. Using Grow can positively affect your FICO score over time. For more info on FICO scores, please visit:

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