How can Grow help me build my credit score?

Written by Grow Credit Team
August 18, 2025

Grow Credit is dedicated to lowering the barrier of entry for millions of Americans who need to establish and build credit by allowing customers to pay for their subscriptions through a virtual MasterCard. You can use your Grow Credit card to pay for Netflix, Hulu, Spotify, and many more.

Grow Credit provides a repayment history for subscriptions without the high cost of credit cards.

Grow Credit helps you build your credit history in several ways:

• Automatically having your balance paid in full every month creates a solid payment history, which is 35% of your FICO score.
• If you have no current credit, Grow Credit starts the clock on your average length of credit history, which is 15% of your FICO score.
• Grow Credit adds another line of credit to your credit mix, which is 10% of your FICO score.
• Grow Credit does not conduct a hard credit check, so opening the account does not negatively affect your score.

For more information about the factors that can affect your credit score, see this article from MyFICO.