MastercardGrow Credit Mastercard
A virtual card that turns the Netflix bill you already pay into a credit tradeline.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
No
credit history required (no credit check)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 0xNo rewards: subscription payments build credit only
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Free Build plan reports up to $17 a month of subscription payments at no cost
- ✦Virtual Mastercard pays eligible subscriptions like Netflix, Spotify, and phone bills automatically
- ✦0% APR by design; the card only covers preset subscription amounts
- ✦Reports to all three credit bureaus
- ✦Paid tiers from $1.99 to $9.99 a month raise the reported limit up to $150 a month
Why it earns its spot
- +The free tier costs literally nothing and still builds a tradeline
- +Zero behavior change: it pays bills you were paying anyway
- +Stacks cleanly alongside a secured card for a second account type
Where it costs you
- −Only works for subscriptions on its eligible merchant list
- −Tiny reported limits keep this a supplement, not a primary card
- −No rewards and no physical card
The Compound Verdict
Grow Credit occupies a smart niche: it is not your main card, it is the second tradeline running silently in the background on autopilot. The free plan is the play here, converting a Netflix subscription into 12 on-time payments a year for nothing. Pair it with a secured card and you are building two accounts at once.
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