The Grow Credit card can only be used to pay for monthly subscription services directly to your subscription companies and not through payment agents. Having consistent on-time subscription payments allows our customers to build their credit history without the hassle of keeping track of bills and manual payments. The Grow Credit card cannot be used for individual purchases, such as food delivery or retail items.

Grow’s internal systems are trained to recognize subscription services by whitelisting payments from specific merchants. When you attach a Grow Credit card to an external payment processing system or payment agent like Apple Pay, our system cannot recognize the charge as part of our approved merchant list, even if it has been used to purchase a subscription that would otherwise be authorized.

If you’re having difficulty with payments being declined, please make sure that your Grow card has been added to the subscription provider’s billing page and that you are not using any third-party payment processors.