Start building your credit today
© 2025 Grow Credit, Inc. All Rights Reserved
The ultimate subscriptions card
Grow Credit is offered and serviced by Grow Credit Inc. ("Grow Credit"), and is a combination of a virtual Debit Mastercard provided by Sutton Bank, Member FDIC, pursuant to the license by Mastercard International Inc and a loan provided by Blue Ridge Bank, N.A. Member FDIC. Grow Credit is not a bank, and is not FDIC insured.
Cellular network, messaging, and data rates may apply when using the Grow Credit app and/or website. Contact your carrier for details. All product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.
Debit Mastercard Cardholder Agreement
1. Eligibility for the Build Free Plan requires passing the underwriting criteria and linking a bank account. There will be no hard credit pulls. Your Build Free Plan is free for the first 12 months, after which it will be $3.99/mo. See your Loan Agreement for more details.
2. Apple Store & Google Play Store
3. Data based on 108,257 unique customers with at least one credit score as of December 2024. For customers with multiple credit scores the analysis takes the first score compared to the customer's highest score observed by Grow Credit. For those with 1 credit score we calculate the score improvement as 0. On average, the typical user achieved their maximum credit score in 8 months. Changes in credit score vary by individual customer behavior and credit history.
4. Note missed payments may have a negative impact on your credit score.
5. According to https://www.myfico.com/credit-education/whats-in-your-credit-score
6. Grow Credit is NOT a credit repair service and does not remove negative history from your credit profile. Testimonial Disclaimer: Individual results will vary. Unique experiences and past performance for individuals do not guarantee future results for other individuals. Testimonials may not be representative of all individuals and certain individuals may have inferior results than indicated in testimonials.
7. Access to premium and cell phone plans require one successful on-time statement payment.
Debit Mastercard Cardholder Agreement
The ultimate subscriptions card
“I couldn't believe it. This was the best random idea to come to me from an Instagram ad. Thanks Grow Credit!”
- Richard A.
Memberships designed for growth
LEGAL
Payment History
Make on-time payments in full every time with automatic payments.
90% FICO Score factor impact
Build credit fast by up to 47pts
Grow Credit reports to all major credit bureaus every month, to help establish, build, and grow your credit month-over-month.
Utilization Rate
You can only access <9% of the total credit reported each month.
Credit Age
Grow Credit can start the clock on your average length of credit history.
Credit Mix
Adding another line of credit to your credit mix can improve your score.
Set up your Grow Credit account
STEP 1
Low credit? No problem. Signing up and applying for your Grow Credit account is easy.
STEP 1
Get set up with your Grow Credit account
Low credit? No problem. Signing up and applying for your Grow Credit account is easy.
STEP 2
Find and add your subscriptions
Add subscriptions to your Grow Credit account using our list of 100+ available subscriptions.
STEP 2
Find and add your subscriptions
Add subscriptions to your Grow Credit account using our list of 100+ available subscriptions.
STEP 3
Use your Grow account as your payment method
Add your card number to your new and existing subscription accounts, to be paid consistently with your new Grow Debit Mastercard.
STEP 3
Use your Grow account as your payment method
Add your card number to your new and existing subscription accounts, to be paid consistently with your new Grow Debit Mastercard.
STEP 4
Sit back and watch your credit grow
Your subscriptions are paid with your new card and your payments are made consistently which contributes to a better credit score.
STEP 4
Sit back and watch your credit grow
Your subscriptions are paid with your new card and your payments are made consistently which contributes to a better credit score.
“Four months later, my score has gone up 50 points!”
“I couldn't believe it. This was the best random idea to come to me from an Instagram ad. Thanks Grow Credit!”
- Richard A.
