Grow Credit currently offers five plans:

  1. Our free membership plan, Build, provides a monthly spending limit of $17 to pay exclusively for your subscriptions. This account is reported as a $204 line of credit to the credit bureaus, or $17 per month 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 account is reported as a $600 line of credit to the credit bureaus, or $50 per month 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 account is reported as a $1,800 line of credit to the credit bureaus, or $150 per month 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 account is reported as a $204 secured line of credit to the credit bureaus, or $17 per month 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 criteria for the free Build plan by allowing them to make a small deposit to secure the card.

  5. Our student plan, Build Student, costs $1 per month. Build Student is a discounted version of Build Secured, which is intended for college students.

We charge a monthly membership fee 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 transaction limits or widen access for those who would otherwise be ineligible. We do not charge interest on any Grow Credit accounts.

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