Credit Building

Use your subscriptions to easily build your credit

Product

Grow Credit: The simple way to boost your credit

If you subscribe to a streaming service, delivery app, or over 100 other subscription services, you can easily boost your credit score with Progressive Credit Builder by Grow Credit. Grow Credit consolidates your monthly subscription fees to one virtual debit card where every monthly payment is reported to the three major credit bureaus. With your balance paid in full every month, plus a history of on-time payments, your credit score can reach new heights in no time at all.

How does Grow Credit work?

01
Sign up

Sign up for a Grow Credit account.
02
Add subscriptions

Choose from over 100 subscriptions to add to your Grow Credit account, including Netflix, Spotify, Uber Eats, and more.
03
Use your Grow Credit Virtual Mastercard

Add your new Grow Credit Virtual Mastercard to your chosen subscriptions and watch your credit grow.

How does Grow Credit help increase my credit score?

Grow Credit builds your credit in three ways:

Automatically paying the full balance of your Grow Credit Virtual Mastercard every month helps to establish a good credit history.
If you're building credit from scratch, Grow Credit will kick off your credit history and increase your average credit history length.
Adding Grow Credit diversifies your credit mix, which could further increase your credit score.

WHY USE GROW CREDIT

Practical

Use your subscription services to effortlessly build up your credit.
Accessible

Choose from several different tiers to fit your financial situation and goals.
Comprehensive

All plans offer automatic payments, reporting to credit bureaus, your credit score, and financial literacy resources.

Frequently asked questions about Grow Credit

How much does Grow Credit cost?

You can choose a plan that fits your budget, with several plans available at different price points. Each plan includes a set monthly spending limit, with higher tier plans offering higher spending limits and other perks, such as paying your cell phone bill. All plans offer automatic payments, reporting to credit bureaus, your credit score, and financial literacy resources.

Secured and premium-tier plans include fees in order to provide higher spending limits and make them available to more people.

What are the benefits of premium Grow Credit plans?

Higher tier plans allow you to pay your cell phone bill and some insurance policies with your Grow Credit Mastercard. You also gain a higher monthly spending limit, allowing you to add more subscriptions and accelerate your credit growth.