Grow Credit Coupons March 2025

Grow Credit currently offers four plans. The Build plan is completely free, and there is no obligation to upgrade to a paid account at any time.

The Build Secured plan is an alternative for customers who do not meet the Build underwriting criteria, and it costs $2.99 per month. The Grow membership plan costs $4.99 per month, and the Accelerate plan costs $9.99 per month. Grow and Accelerate memberships provide higher monthly transaction limits, which can have a greater impact on your credit score.

They do not charge interest on any Grow Credit accounts.

Using Grow allows you to demonstrate a repayment history to the credit bureaus for the subscription accounts you already have (or you can add new ones), without the cost of high interest rates. By providing a line of credit, Grow helps you build your credit score in several ways:

• Automatically having your balance paid in full every month creates a consistent payment history, which accounts for 35% of your score.

• Grow starts the clock on your average length of credit history, accounting for 15% of your score.

• Grow adds another line of credit to your credit mix, which accounts for 10% of your score.

You will need the following to begin your credit-building journey with Grow Credit:

• A bank account where you deposit your income.

• A valid email address and phone number.

• A social security number.

• You must be a permanent resident of the United States.

• You must be at least 18 years of age.

• You can join Grow with no credit history or limited credit, and they do not pull your credit or use credit scores as a determining factor when applying for a Grow account.

They do not perform a hard credit check or use credit scores as a determining factor when applying for a Grow account. Grow Credit performs a soft credit check when you apply for an account for identification verification purposes only. Your application will not negatively affect your current credit score.

They report to Equifax, Experian, and TransUnion.