{"app_store_id":1482246872,"slug":"grow-credit-1482246872","name":"Grow Credit","subtitle":"Pay Phone Bills & Build Credit","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/98/26/49/982649d4-6243-de2d-3d8e-d3dddfef59ca/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/grow-credit/id1482246872?uo=4","price":0,"currency":"USD","rating":4.75746,"rating_count":10118,"in_app_purchases":false,"recent_rating":1.17,"recent_review_count":12,"reviews_checked_at":"2026-10-19T05:44:11.700Z","primary_genre":"Finance","version_date":"2026-10-07T14:05:40Z","updated_at":"2026-10-20T21:07:12.947Z","stale":false,"missing_since":null,"one_liner":"Builds credit by reporting monthly subscription payments made on a Grow MasterCard to the three credit bureaus.","verified_maker":false,"maker_site":null,"file_size_bytes":88467456,"minimum_os":"15.6","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/02/d0/d4/02d0d440-e3e8-2d18-a05e-8f7c96a8daf0/c32218b4-e263-4611-9e18-0f88f83d971c_grow_appStore_1242x2208_screen1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/db/c2/ae/dbc2aec7-52b6-d053-e1e2-a5b9b7d274ee/1ddb5cbf-3a79-45d5-b606-78063e28952f_grow_appStore_1242x2208_screen2.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/05/60/d8/0560d830-aa7b-27be-8045-bcc4d182b496/042eeb4d-aebb-41cc-b69f-f8db0ef2b181_grow_appStore_1242x2208_screen3.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/80/bb/11/80bb1185-0906-e045-85d1-13e113ac0ff4/029407ac-8eaf-452b-b5bb-f2189a78580d_grow_appStore_1242x2208_screen4.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e3/82/d0/e382d03c-093e-3bc9-2d80-4e476db59205/d75b5154-5376-4022-bb59-dd8b9b49be27_grow_appStore_1242x2208_screen5.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ae/41/06/ae4106a8-91a4-620f-8035-8d0ec6f1bd32/5c76d3ca-3e4c-45fd-8821-54c8f29e256a_grow_appStore_1242x2208_screen6.jpg/392x696bb.jpg"],"developer_name":"Grow Credit Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/grow-credit-1482246872/","api_url":"https://apptierlist.com/api/v1/apps/grow-credit-1482246872","schema_version":"1.0","generated_at":"2026-10-22T01:41:13.738Z","data_as_of":"2026-10-21T05:05:13.887Z","description":"With over 700,000 downloads, Grow Credit, featured on the 2022 Forbes Fintech 50 and recognized as one of America's most innovative companies, helps consumers build credit for free using their subscriptions, with no prior credit history required.\n\nAs featured in the App Store “Hot This Week” section.\n\nYour credit score is different on Experian, Equifax, and TransUnion. Having a strong score on all three matters as mortgage lenders, car dealers, and credit card companies often review more than one to determine a consumer's creditworthiness. Grow helps you boost your credit score quickly on all three.\n\n\nGrow your credit with your subscriptions in three easy steps:\n\n- Apply for your Grow MasterCard.\n- Link your bank account.\n- Add your subscriptions: Netflix, Disney+, Hulu, Spotify, HBO Max, or over 100 others.\n\nYour subscriptions will be billed to your Grow MasterCard, and we’ll automatically debit your bank account every month and report your progress to all three credit bureaus.\n\nA better credit score means lower interest rates on future loans, which could save you tens or even hundreds of thousands of dollars.\n\nApplying for Grow will not result in a hard credit pull and will not affect your credit score.\n\nWe recommend using Grow alongside Rocket Money and Credit Karma.\n\nThe press raves about Grow:\n\nTechcrunch.com: Grow \"is a pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services. Credit scores can impact mortgages, the ability to receive small business loans, and a host of other services that are ways to boost economic opportunity.\"\n\nCreditcards.com: Grow is \"a very useful tool for climbing the ladder and eventually qualifying for a better card.\"\n\nNerdwallet.com: \"The Grow Credit Mastercard is ideal for those with no credit or poor credit.\"\n\nGrow offers 4 plans:\n* Build Free\n- Reports a $204 credit line to Equifax, Experian, and TransUnion\n- $17 monthly spending limit\n- Option to upgrade to a Grow membership after 6 months of consecutive on-time payments\n- Cost: Free\n\n* Build Secured\n- Reports a $204 credit line to Equifax, Experian, and TransUnion\n- $17 monthly spending limit\n- Option to upgrade to a Grow membership after 6 months of consecutive on-time payments\n- $17 security deposit required - refundable after 12 consecutive on-time payments\n- Cost: $2.99 per month\n\n* Grow\n- Reports a $600 credit line to Equifax, Experian, and TransUnion\n- $50 monthly spending limit\n- Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint)\n- Cost: $4.99 per month\n\n* Accelerate\n- Reports an $1,800 credit line to Equifax, Experian, and TransUnion\n- $150 monthly spending limit\n- Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint)\n- Cost: $9.99 per month\n\nAdditional Features:\n- Plan duration: 12 months - renewable.\n- Free FICO Score\n- Free credit education blogs and tutorials.\n\nWe look forward to assisting you in your credit-building journey!\n\nBank-Level Security:\n• Your data is protected with 256-bit encryption bank-level security and is never stored on your devices.\nThis app is operated by Grow Credit, Inc. Questions or suggestions can be directed to behappy@growcredit.com.","facts":{"developer_id":1482246516,"developer_url":"https://www.growcredit.com/","first_released":"2019-11-25T08:00:00Z","support_url":"https://www.growcredit.com/","privacy_url":"https://growcredit.com/privacy","website_url":"https://www.growcredit.com/","app_version":"9.3.0","release_notes":"Improved app analytics to help us enhance experience.","rating_current_version":4.75746,"rating_count_current_version":10118,"star_counts":[337,64,198,518,9002],"genres":["Finance","Education"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipod"],"chart":null},"freshness":{"apple_read_at":"2026-10-20T21:07:12.947Z","catalog_read_at":"2026-10-17T19:17:13.415Z","reviews_checked_at":"2026-10-19T05:44:11.700Z","summary_written_at":"2026-10-19T15:52:11.595Z","placed_at":"2026-10-15T10:11:36.039Z","scored_at":"2026-10-21T05:05:13.887Z"},"editorial":{"one_liner":"Builds credit by reporting monthly subscription payments made on a Grow MasterCard to the three credit bureaus.","what_is":"Grow Credit is a Finance app for building credit by paying subscriptions such as Netflix, Spotify, and Hulu, with no prior credit history required. Subscriptions are billed to a Grow MasterCard, the linked bank account is debited monthly, and progress is reported to Equifax, Experian, and TransUnion. The app offers four plans, from Build Free at no cost to Accelerate at $9.99 per month.","good_for":["People with no credit history or poor credit","Building credit using existing streaming subscriptions","Users who want a credit line reported to all three bureaus"],"pricing":"Grow Credit is free, with no in-app purchases on the App Store.","faq":[{"q":"Does applying for Grow affect my credit score?","a":"Applying will not result in a hard credit pull and will not affect your credit score."},{"q":"Which subscriptions can be added?","a":"Netflix, Disney+, Hulu, Spotify, HBO Max, and over 100 others are listed. Cell phone bills from AT&T, T-Mobile, Verizon, or Sprint are included on the Grow and Accelerate plans."},{"q":"How large is the reported credit line?","a":"Build Free and Build Secured report a $204 credit line, Grow reports $600, and Accelerate reports $1,800, each to Equifax, Experian, and TransUnion."}],"model":"claude-haiku-5-5","created_at":"2026-10-19T15:52:11.595Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":17,"tier":"C","score":81.2,"components":{"rating":95.1,"votes":80.1,"rank":49.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-15T10:11:36.039Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":135668,"at":"2026-10-17T01:33:13.388Z","kind":"tier_changed","list":"credit-building","app_store_id":1482246872,"app":"grow-credit-1482246872","from":"A","to":"C","reason":"rank shift: #16, score unchanged at 81.2, tier full (a quarter of the list)","job":"rescore"},{"id":125940,"at":"2026-10-16T10:30:49.475Z","kind":"tier_changed","list":"credit-building","app_store_id":1482246872,"app":"grow-credit-1482246872","from":"C","to":"A","reason":"score 68.8 to 81.2","job":"rescore"},{"id":102011,"at":"2026-10-15T10:13:36.038Z","kind":"tier_changed","list":"credit-building","app_store_id":1482246872,"app":"grow-credit-1482246872","from":null,"to":"C","reason":"score 68.8","job":"rescore"},{"id":101815,"at":"2026-10-15T10:11:36.039Z","kind":"membership_added","list":"credit-building","app_store_id":1482246872,"app":"grow-credit-1482246872","from":null,"to":"active","reason":"Core purpose: helps consumers build credit for free via the Grow MasterCard, with payments reported to all three credit bureaus and no prior credit history requ","job":"shadow"},{"id":97241,"at":"2026-10-15T06:59:36.033Z","kind":"app_added","list":null,"app_store_id":1482246872,"app":"grow-credit-1482246872","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":17,"tier":"C","score":81.2,"components":{"rating":95.1,"votes":80.1,"rank":49.6,"recency":100},"ranks":[{"country":"us","rank":13}],"verdicts":[{"verdict":"keep","reason":"Core purpose: helps consumers build credit for free via the Grow MasterCard, with payments reported to all three credit bureaus and no prior credit history requ","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T10:11:36.039Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T10:11:36.039Z","attempts":1,"current":true}]}]},"data_version":40462,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/grow-credit-1482246872/"}}