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.
Advertisement
✓ Free tier available for one subscription
✓ No credit check to apply
✓ No interest charges
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.
Card details
A virtual credit card that builds credit by paying your existing streaming and subscription bills, reporting on-time payments to all three credit bureaus.
💡 Honest Take: Clever concept for credit building on autopilot. The free tier is genuinely useful if you have Netflix or Spotify. But don't expect this to be your only credit-building tool — the limited scope means it's best as a supplement.
Pros
- ✓ Free tier available for one subscription
- ✓ No credit check to apply
- ✓ No interest charges
- ✓ Reports to all three major credit bureaus
Cons
- ✗ 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
Best For: People who want to passively build credit using subscriptions they already pay for, without taking on traditional credit card risk.
See full review →
You'll be redirected to growcredit.com
You might also like
Chase Freedom Rise
- Rewards:
- 3%
Citi Custom Cash® Card
Discover it® Student Cash Back
Blue Cash Preferred Card from American Express
- Fee:
- $95
Chase Ink Business Cash® Credit Card
- Rewards:
- 5%
3%
5%
Related Articles
American Express Blue Business Cash: The Cashback King?
No annual fee and up to 2% cashback make this card attractive for businesses, but watch out for the variable APR starting at 18.49%.
Citi Double Cash: Unlimited 2% Back, But Is It Enough?
Citi Double Cash offers unlimited 2% cash back with no annual fee. Is this enough to compete with cards like Chase Freedom Unlimited?
Marriott Bonvoy Boundless: Worth the Annual Fee?
With hefty rewards and a fair annual fee, the Marriott Bonvoy Boundless card is a top pick for frequent travelers. But is it the best option for you?
Is Chase Freedom Flex® the Cashback Card You Need?
Chase Freedom Flex® offers 5% cash back in rotating categories with no annual fee. But is its APR too steep for you?
Bank of America Customized Cash Rewards: Is It Really Worth It?
Bank of America's Customized Cash Rewards card offers 6% cash back in your chosen category for the first year. But is it truly a game-changer for your wallet?
Hilton Honors Amex: Zero Fee, Big Rewards for Travelers
Is the Hilton Honors American Express Card the perfect travel companion? Find out how it scores on rewards and fees.