Grow Credit currently offers four plans:

  1. Our free membership plan, Build, provides a monthly spending limit of $17 to pay exclusively for your subscriptions. This is reported as a $204 line of credit to the credit bureaus, or $17 distributed over the course of 12 months.

  2. Our Grow membership plan costs $4.99 per month, providing a monthly spending limit of $50 to pay exclusively for your subscriptions. This is reported as a $600 line of credit to the credit bureaus, or $50 distributed over the course of 12 months.

  3. Our Accelerate membership plan costs $9.99 per month, providing a monthly spending limit of $150 to pay exclusively for your subscriptions, including your cell phone bill. This is reported as a $1,800 line of credit to the credit bureaus, or $150 distributed over the course of 12 months.

  4. Our secured membership plan, Build Secured, costs $1.99 per month, providing a monthly spending limit of $17 to pay exclusively for your subscriptions. This is reported as a $204 secured line of credit to the credit bureaus, or $17 distributed over the course of 12 months. The Build Secured plan differs from our free Build plan by offering an alternative for customers who do not yet meet the income criteria for the free Build plan by allowing them to make a deposit to secure the card.

We charge a monthly membership fee for our Grow and Accelerate accounts so we can provide higher monthly transaction limits and access to premium subscriptions. We do not charge interest on any Grow Credit accounts.

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