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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
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 |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards: subscription payments build credit only
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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