Customer experiences
Trustpilot company reviews — independent customer feedback
3.3 / 5
From 124 reviews · Checked October 8, 2026 (7:41 p.m. ET)
This is a dated company-level snapshot, not a live score or rating of a particular plan. Counts and scores change; follow the link for current figures.
Read customer reviews on TrustpilotWhat some customers appreciate
Some mainly historical reviewers value subscription-payment convenience and describe perceived credit-building progress; this does not prove outcomes for current applicants.
Common concerns
Other reviewers describe bank-linking problems, merchant payment interruptions, missing or delayed bureau reporting and subscription cancellation. Newer product terms may differ from the plans those reviewers used.
These are individual accounts, not independently verified outcomes or representative statistics. Credit changes depend on the full credit profile; no results are guaranteed. Trustpilot does not sponsor or endorse this All In One Credit comparison.
Quick Facts
- Account type
- Subscription credit builder / virtual Mastercard
- Starting price
- $3.99/month
- Monthly cost
- $3.99–$12.99/month
- Setup fee
- None
- Reports to
- Experian, Equifax, TransUnion
- Credit check
- No hard credit check
- Contract
- Cancel anytime; see provider for current terms.
Overview
Grow Credit is a subscription-focused credit-builder account that issues a virtual Mastercard used to pay supported recurring subscriptions. Those payments are reported to the credit bureaus as a credit-building loan with no interest.
Who It May Be Best For
People who already pay for subscriptions and want to turn those recurring payments into credit history without paying interest.
Who May Want Another Option
People whose subscriptions are not supported, or who want a physical card they can use anywhere, may prefer Chime's secured card or Kikoff's tradeline.
How It Works
Grow Credit gives you a virtual Mastercard that you use to pay supported subscription bills. Grow Credit reports those payments to the credit bureaus as a credit-building loan. You repay the subscription charges from your linked bank account. There is no interest on the Grow Credit loan.
Pricing and Fees
Grow Credit offers three plans: Build at $3.99/month or $39.99/year, Grow at $6.99/month or $69.99/year, and Accelerate at $12.99/month or $129.99/year. There is no interest on the Grow Credit loan. Some Starter versions may require deposits. Supported subscription charges must still be repaid.
Credit Bureau Reporting
Grow Credit reports to Experian, Equifax, and TransUnion.
Eligibility
There is no hard credit check. A linked bank account is used to repay subscription charges. Some Starter versions may require deposits. Only supported subscription merchants qualify.
Important Limitations
Grow Credit only builds credit from supported subscription payments. It is not a general-purpose credit card. Credit-score increases are not guaranteed.
Alternatives
If you want a card you can use anywhere, consider Chime. If you want a pure tradeline without spending, consider Kikoff or Kovo.
Final Summary
Grow Credit is a strong option for people who already pay for subscriptions and want to build credit from those payments with no interest. The main limitation is that it only works with supported merchants. Results vary and are not guaranteed.
Pros
- No interest on the credit-building loan
- Reports to all three bureaus
- Turns existing subscriptions into credit history
Cons
- Only works with supported subscription merchants
- Some Starter versions may require a deposit
Frequently Asked Questions
Does Grow Credit charge interest?
No. There is no interest on the Grow Credit loan, though subscription charges must still be repaid.
Does Grow Credit report to all three bureaus?
Yes. Grow Credit reports to Experian, Equifax, and TransUnion.
Can I use Grow Credit anywhere?
No. The virtual Mastercard works with supported subscription merchants only.
Is a credit-score increase guaranteed?
No. Credit-score changes are not guaranteed.
Personalized credit plan
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