Grow Credit
What is Grow Credit?
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.
Pricing. Grow Credit is free, with no in-app purchases on the App Store.
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
Screenshots
Why this app is in C tier
Grow Credit scores 81 out of 100: rating 95, rating count 80, App Store search rank 50, update recency 100. The four parts are averaged with no weights, and C tier follows from that score within this list. The full explanation, as data.
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. As featured in the App Store “Hot This Week” section. Your 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. Grow your credit with your subscriptions in three easy steps: - Apply for your Grow MasterCard. - Link your bank account. - Add your subscriptions: Netflix, Disney+, Hulu, Spotify, HBO Max, or over 100 others. Your 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. A better credit score means lower interest rates on future loans, which could save you tens or even hundreds of thousands of dollars. Applying for Grow will not result in a hard credit pull and will not a
Compare in Credit Building
| Measure | |||
|---|---|---|---|
| Tier | C | C | C |
| Score | 81 / 100 | 82 / 100 | 81 / 100 |
| Rating | 4.8 ★ | 4.8 ★ | 4.8 ★ |
| Ratings | 10.1K | 4.5K | 35.0K |
| Latest ratings · 180d | 1.2 ★ · 12 reviews | — | 4.2 ★ · 20 reviews |
| Last update | 14d ago | 4d ago | 9d ago |
| Price | Free | Free | Free |
Alternatives
See all 22 ›Questions about Grow Credit
Does applying for Grow affect my credit score?
Applying will not result in a hard credit pull and will not affect your credit score.
Which subscriptions can be added?
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.
How large is the reported credit line?
Build Free and Build Secured report a $204 credit line, Grow reports $600, and Accelerate reports $1,800, each to Equifax, Experian, and TransUnion.
Is Grow Credit free?
Yes. Grow Credit is free on the App Store, with no in-app purchases.
What is Grow Credit good for?
Grow Credit is built 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. It sits in the credit building list on AppTierList.
Is Grow Credit worth it?
Grow Credit is C tier, ranked #17 of 23 credit building apps with a score of 81 out of 100, from a 4.8 App Store rating across 10,118 ratings. 16 apps rank above it in the same list.
How does Grow Credit compare to Yendo?
Grow Credit is C tier at 81; Yendo is C tier at 82. Yendo ranks higher. Grow Credit is free, with no in-app purchases, Yendo is free, with no in-app purchases.
How often is Grow Credit updated?
Grow Credit was updated 14 days ago, which counts in its favour.
All the facts
- List
- Credit Building
- Tier
- C (Situational)
- Score
- 81 / 100
- Rank in list
- #17 of 23
- Ranking certainty
- settled
- Price
- Free
- App Store rating
- 4.8 out of 5
- Number of ratings
- 10,118
- Recent reviews
- 1.2 from 12 in the last 180 days
- Current version
- (14 days ago)
- App Store data read
- App Store category
- Finance
- 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
- Requires
- iOS 15.6 or later
- Size
- 84 MB
- Age rating
- 4+
- Languages
- 1
- Runs on
- iPhone
- Developer pages
- Website · Support · Privacy policy
- Maker
- unclaimed
- As data
- JSON · why it ranks here
App Store data read · reviews · ranking · how it is computed