Grow Credit Mastercard Review

Build credit by paying for Netflix, Spotify, and more—no fees, no deposit, no credit history needed.

The Grow Credit Mastercard introduces a unique concept: instead of using traditional spending to build credit, it lets you do it through the monthly subscriptions you already pay for. From Netflix and Hulu to Spotify and Apple Music, your streaming bills become tools to establish or improve your credit profile—without ever paying interest or fees.

Designed for people with no credit history or limited access to traditional cards, Grow Credit offers multiple membership plans with no hard credit check. It’s an innovative way to help consumers take control of their credit journey with simplicity, security, and purpose.

Build Credit Without Spending Extra – Grow Credit Mastercard

1. No Credit History Required

Applicants don’t need a credit score to qualify. The Grow Credit application uses alternative data and doesn’t rely on traditional credit checks. That makes it ideal for newcomers to credit, students, or those rebuilding from financial difficulties.

2. No Fees or Interest

Grow Credit doesn’t charge any fees—not even annual, late, or activation fees. There’s also no interest on the virtual card. This allows you to build credit without worrying about extra costs or penalties.

3. Pays Subscription Services

Use the Grow Credit Mastercard exclusively for select recurring subscription services like Netflix, Hulu, Disney+, and more. By linking your subscriptions to the card, your existing monthly expenses become credit-building opportunities.

4. Reports to All Major Bureaus

Grow Credit reports your payment history to Equifax, Experian, and TransUnion every month. Timely payments improve your credit profile over time, helping you qualify for loans or traditional credit cards later.

5. No Security Deposit

Unlike secured cards, there’s no deposit needed to open the Grow Credit account. Approval is based on linked bank account history. This removes financial barriers and makes it easier to access credit-building tools without upfront cash.

6. Virtual Card Access

Grow Credit provides a virtual Mastercard that links directly to your subscriptions. It cannot be used for general purchases, ensuring responsible use. This structure eliminates the risk of overspending and encourages financial discipline.

7. Tiered Membership Plans

Users can choose between free and paid plans based on the number of services they want to cover and their financial profile. Plans range from $0 to $7.99/month, offering flexibility depending on your goals.

8. Instant Application and Approval

The application takes just a few minutes, and decisions are based on your linked bank account—not your credit history. Users can begin building credit within days of connecting their subscriptions.

9. FDIC-Insured Banking Partner

Grow Credit is issued through Sutton Bank, member FDIC, ensuring secure account protection and banking compliance. You’re building credit with the support of a trusted financial institution.

Qualification Requirements

• Must Be a U.S. Resident: Applicants must live in the United States and have a valid Social Security number.
  
• 18 Years or Older: Legal age of majority is required for eligibility.
  
• Valid Checking Account: A U.S. checking account must be linked to qualify and enable payment tracking.
  
• Regular Income or Deposits: Demonstrated cash flow helps determine eligibility for premium plans.
  
• Own Streaming or Subscription Accounts: You must have active subscriptions (e.g., Netflix, Hulu) to link to the Grow Credit card.
  
• Smartphone Access: Account setup, management, and payments are all done through the Grow Credit mobile app or website.
  

How to Apply for the Grow Credit Mastercard

• Download the Grow Credit App: Start by downloading the mobile app from the App Store or Google Play.
  
• Create an Account: Enter your basic personal information and select your membership plan.
  
• Link Your Bank Account: Securely connect your checking account so Grow Credit can assess your financial profile.
  
• Choose Your Subscription Services: Select the eligible services you want to connect to your virtual card.
  
• Receive Your Virtual Card: Once approved, you’ll get access to your virtual Mastercard and begin linking subscriptions.
  
• Make On-Time Payments: Your card will automatically cover the selected subscriptions—just ensure your account has sufficient funds.
  

Frequently Asked Questions

1. Can I use the Grow Credit card for groceries or retail shopping?
No. The card is limited to eligible subscription services and cannot be used for general purchases.

2. Does Grow Credit charge any interest?
No. There are no interest charges, regardless of which plan you select.

3. How long does it take to see credit improvements?
Many users begin seeing changes in their credit score after a few months of consistent payments.

4. Can I upgrade or downgrade my plan?
Yes. You can switch plans through the app at any time to match your financial goals or subscription usage.