iPhone Screenshots

Description

Grow is a Mastercard that helps you build your credit history by paying your monthly subscriptions, allowing you to build credit without accumulating more debt, with no prior credit history required!

Build your credit with three easy steps:

1. Apply for your Grow Mastercard.
2. Link your bank account for repayment of your monthly balance
3. Add your subscriptions: Netflix, Hulu, Spotify, Disney+, Amazon Prime, and more.

That’s it! Your subscriptions will be billed to your Grow Mastercard, and we’ll automatically debit your bank account for the balance every month and report your progress to all three credit bureaus (Experian, Equifax, and Transunion). Watch your credit score grow from there. A better credit score means lower interest rates on future loans, which could save you tens or even hundreds of thousands of dollars in the long run. 81% of Grow users increase their FICO score by an average of 30 points after 4 months using Grow.*

Applying for Grow will not result in a hard credit pull and will not affect your credit score negatively.

The press raves about Grow:

Techcrunch.com: Grow "is a pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services. Credit scores can impact mortgages, the ability to receive small business loans, and a host of other services that are ways to boost economic opportunity."

Creditcards.com: Grow is "a very useful tool for climbing the ladder and eventually qualifying for a better card."

Nerdwallet.com: "The Grow Credit Mastercard is ideal for those with no credit or poor credit."


We offer three plans:

- Build Membership -

• Cost: FREE
• $17 starting monthly balance
• $204 loan reported to credit bureaus ($17 x 12 months)
• Plan duration: 12 months - renewable
• Credit score education blogs and quizzes.
• Automatic subscription detection
• Free FICO Score

- Grow Membership -

• Cost: $4.99 per month
• $50 starting monthly balance
• $600 loan reported to credit bureaus ($50 x 12 months)
• Plan duration: 12 months - renewable.
• Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint)
• Credit score education blogs and quizzes.
• Free FICO Score

- Accelerate Membership -

• Cost: $9.99 per month
• $150 starting monthly balance
• $1,800 loan reported to credit bureaus ($150 x 12 months)
• Plan duration: 12 months - renewable.
• Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint)
• Credit score education blogs and quizzes.
• Free FICO Score

We look forward to assisting you in your credit-building journey!

Security

• Your data is protected with 256-bit encryption bank-level security, and is never stored on your devices.

This app is operated by Grow Credit, Inc. Any questions or suggestions can be directed to Behappy@Growcredit.com.

*Actual Grow Credit data. Sample size of 421 Grow accounts having balances and four consecutive months of on-time payments.

What’s New

Version 2.5.2

Enhancements to improve the Grow Credit Experience.

Ratings and Reviews

4.5 out of 5
1.2K Ratings

1.2K Ratings

Stryder1017 ,

Awesome App, Even Better Service

I saw an ad for this on Instagram and thought it was too good to be true, and I was told if it is it’s probably true but Grow Credit doesn’t fall into that category. It’s so easy to use, there’s no scam or credit checks, it’s a brilliant idea! How did no one think of this sooner? Right now I have my Netflix hooked up to it. The max is $15, not much, but it’s something! I’m sure you can even put two on there if had some base plans but most people don’t these days. Thanks to their automatic withdrawals it’s so easy to never miss a payment since it just comes right out and it’s all reported.

Growing credit is a marathon not a sprint. I’ll admit i made some poor credit decisions back in the day and I’m paying for them (literally) but something like Grow credit really helps in adding a little extra something and every little bit helps.

The customer service team is awesome too. The only one snag I had was that my Netflix came due before my Grow Credit payment but their team was quick to rectify this and it was all set from there on out. I can’t say I’ve had any issues really. It’s a great way to set it and forget it. I can’t wait to upgrade to throw some more on there and hopefully raise my score a little more!

TristanCajar ,

Stroke of Genius!

Great response time, and a really good understanding of my questions. Repairing one’s credit is like regaining one’s health, with the help of a skilled practitioner, one gets better. This program feels like it will help me get better with my FICO score. Just knowing about background reporting has made me more confident that my arsenal of credit building tools is having a real impact. The system in place to pay monthly subscriptions using the Grow Credit credit card ensures a smooth payment process which in turn becomes reported on time payments. Easy to set up and having a well designed interface, iPhone in my case, makes this a no brainer considering how little needs to be done with Grow Credit to raise one’s credit- points in the Fair Issac Corporation’s credit report translate into $$$ savings in Interest rates when applying for loans, credit cards an other credit products. In short, better credit score=lower total cost of loan due to lower interest rates. A superlative product for the price paid!

b4Ronin ,

Great so far !

I have been using grow credits free plan for a few months now to pay a few streaming subscriptions and have gotten a few credit score bumps from it. One thing to not worry about is the app tells you how much % your using of your credit line, if your using this it's CBR cause you want every point boost you can get here is what customer service told me...

Additionally, you do not need to worry about your usage percentage. Grow Credit loans are structured as a closed end term loan of 12 months accessed via Mastercard. Because of this, you are never using a high percentage of your total loan amount.

App Privacy

The developer, Grow Credit, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

You May Also Like