Grow Credit Mastercard
By Alex Compton · Last verified
A virtual card that turns the Netflix bill you already pay into a credit tradeline.
Welcome Bonus
None
No welcome offer. Build Free $0 with a $17 monthly limit (eligibility required); Build Starter from $4.99/mo with a $17 refundable deposit; Grow from $6.99/mo ($50 limit); Accelerate from $12.99/mo ($150 limit); 0.00% APR; reports to all three bureaus
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
No
credit history required (soft check for identity only)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer. Build Free $0 with a $17 monthly limit (eligibility required); Build Starter from $4.99/mo with a $17 refundable deposit; Grow from $6.99/mo ($50 limit); Accelerate from $12.99/mo ($150 limit); 0.00% APR; reports to all three bureaus | Grow Credit product and pricing page → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Free Build plan ($17/mo), 0% APR and three-bureau reporting confirmed; paid plans are now $4.99 to $12.99/mo, not $1.99 to $9.99.
Fields: creditScore, benefits, pros
Grow Credit product and pricing page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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 covers up to $17 a month of subscription payments at no cost, for applicants who meet its eligibility criteria
- ✦Virtual Mastercard pays eligible subscriptions like Netflix, Disney+, and Spotify automatically; phone bills need the Accelerate plan
- ✦0% APR by design, and no hard credit check (a soft check verifies identity)
- ✦Reports to Equifax, Experian, and TransUnion
- ✦Paid plans from $4.99 to $12.99 a month raise the limit to $50 or $150 a month; Build Starter needs a $17 refundable deposit
Why it earns its spot
- +The free tier costs literally nothing for eligible applicants 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.
Rate this card
Be the first to rate it
Commentson Grow Credit
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.