Join Grow Credit by following these simple steps:

  1. Sign up and apply, either through our iOS app, our Android app, or on our website.

  2. Follow the directions to use Plaid to link your bank account to Grow.

  3. When approved, we will issue a virtual MasterCard that you can use to pay your subscriptions. Your monthly spending limit depends on which plan you choose and your eligibility.

  4. Go to the account settings on the website or app for your subscription services and switch your payment method to your Grow card.

  5. On the 10th of every month, your balance will be automatically repaid 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, which can positively impact your FICO score. For more info on FICO scores, please visit

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