Grow Credit
Pay Phone Bills & Build Credit
How much does Grow Credit cost?
Prices are current as of 12 Sept 2026.
Grow Credit has no in-app products on record in the United States.
10+ alternatives to Grow Credit
| Grow Credit |   Credit Sesame: Grow Your Score |   Build Credit & Money: Dovly AI |   Ava: Build Credit Fast |   X1 Card |   Kovo - Fast Credit Builder |   Petal Card |   WalletHub: Credit & Budgeting |   cred.ai |   Arro: Build & Grow Credit |   NinjaCard® – Banking & Credit | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.8 | 4.8 | 4.8 | 4.9 | 4.9 | 4.9 | 4.7 | 4.8 | 4.8 | 4.6 | 4.2 |
| Reviews | 10K | 436K | 84K | 50K | 12K | 11K | 11K | 10K | 6.8K | 1.7K | 480 |
| Released | 2019 | 2011 | 2022 | 2021 | 2021 | 2024 | 2018 | 2016 | 2020 | 2023 | 2024 |
| Monthly price | — | $15.99 | $19.99 | — | — | — | — | $5.99 | — | — | — |
| Annual price | — | — | $99.99 | — | — | — | — | $95.90 | — | — | — |
The going rate for each plan in United States, in its own currency, shaded from the cheapest price on the row to the dearest. Plans fewer than four in ten of the priced apps sell are left out.
Grow Credit reviews
4.8 out of 5, based on 10,116 reviews.
What people like
- Helps build credit without high interest rates
- Reports subscription payments like Netflix to boost score
- Clean interface that is easy to navigate
What they complain about
- App crashes and won't let you log in
- Support ignores your emails and never helps
- Payments fail or report incorrectly to credit bureaus
- They charge monthly fees even when broken
Trash
As with all the order most recent reviews, this “card” has become trash since around March. Can’t access anything anymore, goes straight to the web, processes for a while and nothing..contact support. About what? A waste of time email message? This went from 5 stars to what should be ZERO STARS rapidly. Avoid, avoid, avoid. Update 09/06/2025: App is back to functioning as designed. It was just some patience as they transitioned. Back to what it used to be and better when it comes to subscriptions.
Horrible Company
Terrible app and company. Website and App haven’t let you login months, haven’t had a successful charge to the account in a year, except for their stupid fee. Get threatening emails about reporting me for not paying but it literally errors out when I’ve tried to login since at least March. Do not use this app. It is terrible. Glad they are closing.
Inaccurate reporting to credit
I’ve paid my account in full but grow credit reported inaccurately causing my credit score to go down. I’m disputing the report since I have proof of the payment. The customer service team is not helpful at all. I have been contacting them for a month regarding this issue and they haven’t done much about it other than saying that they’ll update it when the payment processes. I know they have already received the payment because I’ve mailed it out (priority delivery) with tracking and they haven’t done much received it. Also I’m pretty sure it doesn’t take a whole month for payments to process. Grow credit is a scam that damages your credit score instead of helping it.
Not great since the new takeover
Have been having issues logging into the app since the new takeover and yes, I have updated to the latest version. Unfortunately, it looks like I will be canceling my subscription and moving to an alternative.
Was Great Service
Grow credit was a great asset. My only complaint is that after relaunching their app, within a few months they stopped processing payments claiming system integration updates that have taken over a month so far. When the system actually works like it is supposed to it is an awesome program. They are also extremely slow in adding more streaming services to their platform. They also advertise the monthly fee is up to $9.99 depending on your account level but they actually charge $12.99 a month. Lastly their highest level has a spending limit of $150.00 monthly which is extremely low considering the increasing cost Streaming services.
Doesn’t work after update
I liked the app, but it no longer works since the last update. Can’t even sign in anymore
Total waste and frustration
The company does not care at all. They keep on saying their system issues and it’s down. I got worried and frustrations that it’s gonna report late payments while I’m trying to fix my credit and all these responses are total lies. It’s been going on for a long time, they do not really care. Nobody knows what’s going on at the company and I think it’s time I cancel.
Can’t log in
App crashes after login and selecting subscription, can’t see payment a that needs to be made if missed credit score can take a hit please help !!
App doesn’t work
Keeps taking me to website then giving me me a 504 error screen.
Works
+71 points
Do not use!!!!
Crooks!! My card only worked for 1 month they took my deposit of $150 and did not get it back. I keep getting the run around for over 3 months!!!
Not able to upgrade account
Been with this company for over two years and I’m still not able to upgrade my account. Ridiculous!! Update: need to update app so I’m able to contact customer service. Every time I try to contact them it says reload and I’m not able to!! I have the screen shot it won’t let me upload pictures though.
Confused
I contacted customer service and was told with no explanation that my account has been closed due to sponsorship issues on their end. But I've researched social media and the website and have found nothing relating to this. I'm confused and disappointed and a inconvenienced to say the least.
Simple, Smart, and Effective Credit Builder!
Grow Credit is hands down one of the best apps out there for building credit without the stress of high interest or complicated terms. I love that it links to services I already use—like Netflix and Hulu—and reports those payments to help boost my credit score. It’s a smart way to build credit just by staying consistent with monthly subscriptions. The interface is clean and easy to navigate, and the whole process is transparent. I’ve already seen a jump in my credit score within a few months of using it. Highly recommended for anyone new to credit or working to rebuild!
Do not use!!!!’
Beware of this app it has so many bugs and problems It won’t let me upload my debit or link my new bank account to pay off the balance and close this dang account 🙄🙄🙄🙄so frustrating and you can’t get ahold of customer support only threw email
From reading the reviews it seems pretty good.
The reviews are great, but the app isn’t always new applications. I think they should’ve at least advertised that.
Unusable
I have had Grow Credit for several years now. I even stayed with them when they shut down completely and then reopened after they shifted their lender. Now they are doing a “short-term” “company wide system integration upgrades” but that means all cards have been locked, no one can pay their subscriptions, and the current accounts are basically useless. I have not personally been able to pay any of my bills since March. There is no timeline available for customers for when this “short-term” situation will end. When you are budgeting, as most (all?) Americans are doing right now, this creates a huge problem for the plans you have in place and when bills will be paid, from which pay periods. I appreciate being able to bundle all my smaller bills and know when that will come out of my account, and the tiny boosts o my credit the account provides. However, this is completely unacceptable and ridiculous for customers to have to deal with in this economy. Fix it and get things working again.
DONT DO IT!!!
Used to be a really good app and service. Then they switched and started “updating” and it was a complete waste, over a month of “updates” and “ it will be back soon” always canned always the same agent, always “I am a live agent”. Don’t waste your time!
Small Credit Gains, Big Headaches
I’ve been using Grow Credit for a few years, so I can give an honest review based on my experience. If you’re planning to use it for larger recurring bills like phone payments, I’d be cautious. In my experience, the payment processing can be inconsistent through certain bill payment portals. For example, a payment might go through one month, but then the same company may not accept it for the next few months. I’m not sure why, but it can be frustrating and unreliable. Another issue I’ve noticed is that Grow Credit doesn’t allow you to make another payment within 30 days of your previous one. So if you paid late one month and want to get back on schedule the next month, you may not be able to. That can make it difficult to stay current and may lead to a cycle of late payments unless you skip using the service for a month to reset the timing. Overall, it feels like the app and service could use improvements on the backend to make the experience smoother and more user-friendly. Oh did I mention you’re not able to change your address within the app? Yeah…smh Also, after using Grow Credit for years, I personally didn’t see a major impact on my credit score — only a small increase. For me, the hassle outweighed the benefit.
Grow Credit was once great but has now been ran down
Had them for a few months and everything was great until they were bought out. The new “system” they use had me locked out for weeks and o was constantly tossed AI like word salad on when it would be fixed. Finally got it working and the subscription payments have been hit or miss. Imagine thinking payments are being made only to receive emails that your card has been declined. Then you reach out to customer support and get the same canned response. And then being told we would suggest using other options until the issue is fixed. What they don’t stop is the monthly fee coming out every month even when you can’t use the service you’re paying for
Unreliable
Application doesn’t work
DO NOT USE!! Unreliable Service & Privacy Concern
I was a loyal customer and loved this app when it initially came out but mid 2025, it was bought out by another company and there is when issues began. After a good several months, I am finally forced to just cancel. They have breached privacy issues where they will check your linked bank account without your consent and let you know if you have insufficient funds. When I addressed this issue, they proceeded to tell me that there would be a 45 day investigation put forth and then surprisingly the next few days, they failed to pay my subscriptions, noting a “system is down”. PLEASE be warned! They are not reliable service. After inquiring them another time about this, they only said “We understand this must be confusing and frustrating, we are really sorry about that. These are system integration updates, so we are not able to predict the time frame, as soon as is restored we will notify you. We sincerely apologize about the inconvenient this situation might be.” So be warned, they have caused nothing but stress over these issues, when their service should help make things easier for its customers. NOT worth it at all.
Grow Credit FAQ
- Is Grow Credit free?
- Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.
- Does Grow Credit have a free trial?
- No. None of its offers (US) come with a free trial.
- What are the best alternatives to Grow Credit?
- Credit Sesame: Grow Your Score (4.8 from 436,265 reviews, premium from $1.99), Build Credit & Money: Dovly AI (4.8 from 84,325 reviews, premium from $9.99) and Ava: Build Credit Fast (4.9 from 49,650 reviews).
Grow Credit download
Last updated 1 month ago.
Grow Credit sells in 1 country. It was released 6 years and 10 months ago, on 25 Nov 2019. It holds a 4.8 rating from 10,116 reviews.
Supports 1 language: English.
How much does Grow Credit make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.