Grow Credit debit card to build your credit

Virtual debit card without swithcing banks, which allows you to build your credit score with the payment of monthly subscriptions to content platforms such as Netflix, Amazon Prime or Disney+. It is free in its basic version and reports monthly to the main bureaus: Experian, TransUnion and Equifax.

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Card type: Debit card
Supplier: Mastercard
Card limits
Credit limit: $ 150
Fees and commissions
Issue fee: $ 0
Replenishment Commission: $ 0
Annuity: $ 0

Additional information of Grow Credit Mastercard

Grow Credit Mastercard to build your credit

The Grow Credit Mastercard is a very useful tool to increase your credit score quickly and at no cost, although it has several payment versions that allow you to increase your score faster.

It is a virtual debit card, so it has no physical format, and you don't need to change your bank, since it is linked to a current account you already have.

How does Grow Credit work to raise your score?

The card only allows subscription payments for recurring paid services like Netflix, Spotify, Disney+ or Amazon Prime, with a list of over 100 platforms to subscribe to. It cannot be used to pay for other types of purchases.

Every month, the entity notifies the most famous credit bureaus (TransUnion, Experian and Equifax) that you have paid your subscriptions on time, which helps your credit score increase, since you are demonstrating responsible behavior.

In addition, you will have free access to your Fico score so you can check your score and see how it is rising.

Grow Credit debit card Pricing

With this entity you can enjoy a totally free plan that allows you to pay up to a total of $17 per month in subscriptions and up to $204 per year. In addition, it has several payment plans that offer you various additional advantages.

Here we summarize them all for you:

Build Free

Cost: $0

Up to $17 monthly and $204 annual expense. 

Build Secured

Cost: $2.99 per month or $29.99 per year 

Up to $17 monthly and $204 annual expense. 

Secured version of the above, for those who do not meet the minimum requirements. 

Grow Membership

Cost: $4.99 per month or $49.99 per year 

Up to $50 monthly expense and $600 annually. 

Access to premium subscriptions and discounts on some paid services. 

Accelerate Membership

Cost: $9.99 per month or $99.99 per year 

Up to $150 monthly expense and $1,800 annually. 

Access to premium subscriptions and discounts on some paid services. Offers bill payment from your cell phone. 

The higher monthly limit for the payment of subscriptions allows you to increase your credit score more quickly

How to sign up for the Grow Credit Mastercard?

Debit card from Grow CreditYou can apply for a virtual debit card to rebuild your credit score through Grow Credit's website or by downloading their app for Android or Apple devices.

In order to apply you will need the following:

  • Be at least 18 years old.
  • Have a bank account into which you deposit your paycheck.
  • A Social Security Number (SSN)
  • Be a permanent resident of the United States, whether you are a citizen or have a green card.
  • Have an email address and phone number.

You don't need to have a credit history, and if you do, it doesn't matter if your credit score is low. In addition, in order to sign up for the Grow Credit card, no hard inquiry will be made on your credit history.

Español: Tarjeta Grow Credit para subir el puntaje