Grow Credit Mastercard

A virtual credit card that builds credit by paying your existing streaming and subscription bills, reporting on-time payments to all three credit bureaus.

Last checked on September 1, 2026. We may earn a commission when you click through.

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✓ Free tier available for one subscription ✓ No credit check to apply ✓ No interest charges
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Grow Credit Mastercard

Mastercard

Our Verdict

Grow Credit takes a unique approach — rather than traditional spending, it pays your existing subscription bills (Netflix, Spotify, etc.) and reports those payments to all three credit bureaus. The free tier covers one subscription, and paid tiers cover more. It's a passive way to build credit without changing your spending habits.

What it really costs

Annual fee No annual fee

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Who it's for

People who want to passively build credit using subscriptions they already pay for, without taking on traditional credit card risk.

The good and the not so good

  • Free tier available for one subscription
  • No credit check to apply
  • No interest charges
  • Reports to all three major credit bureaus
  • Free tier limited to one subscription up to $10/month
  • Paid tiers cost $4.99-$9.99/month
  • Not a traditional credit card — limited functionality
  • Cannot be used for general purchases

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