iPhone Screenshots


Grow is a free Mastercard that pays your subscriptions and builds credit on all three credit bureaus for free with no credit required.

81% of Grow users increased their FICO score by an average of 30 points after 4 months of paying their Grow account on time. *

Grow is a financial inclusion platform that enables consumers to build credit without accumulating more debt.

Techcrunch.com adds that 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 calls Grow " a very useful tool for climbing the ladder an eventually qualifying for a better card".


According to Experian:

" There are nearly 100 million Americans with poor credit or “thin” credit files who might not be able to qualify for a loan. What is a thin credit file, you ask? A thin file is a credit file with less than five trade lines, which makes it difficult for a lender to assess a consumer as a lending risk, because there isn’t sufficient information.

Why does that matter? Put simply, a thin credit file can keep a consumer from accessing credit. And, often, no credit can mean no car sale, or interest rates that are too high for a consumer to accept.”


How does Grow Credit help?

Grow is the only platform to add a trade line for free to a consumer’s credit score on all three major credit bureaus and so much more!

* Registration subject to approval.


- Build Membership -

• Cost: Free
• Free FICO Score
• $17 starting monthly balance
• Plan duration: 12 months
• Credit score education blogs and quizzes.
• Automatic subscription detection

- Grow Membership -

• Cost: $4.99 per month
• Build credit with your Cellphone Bill ( AT&T, T-Mobile, Verizon, Sprint)
• $50 starting monthly balance
• Free FICO Score
• Plan duration: 12 months - renewable.
• Access to premium subscriptions
• Credit score education blogs and quizzes.

- Accelerate Membership -

• Cost: $9.99 per month
• Build credit with your Cellphone Bill ( AT&T, T-Mobile, Verizon, Sprint)
• $150 starting monthly balance
• Free FICO Score
• Plan duration: 12 months - renewable.
• Access to premium subscriptions
• Credit score education blogs and quizzes.

The entire Grow Credit team is looking forward to assisting you throughout your credit building journey.


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

This app is operated by Grow Credit Inc. Any questions and 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 2.4.3

Enhancements to improve the Grow Credit Experience.

Ratings and Reviews

4.5 out of 5
738 Ratings

738 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


Grow Credit Inc.
85.4 MB

Requires iOS 11.0 or later. Compatible with iPhone.



Age Rating


  • Family Sharing

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

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