Chase Ink Business Cash® Credit Card
Rewards: 5%
Grow Credit Mastercard
A virtual credit card that builds credit by paying your existing streaming and subscription bills, reporting on-time payments to all three credit bureaus.
Last checked on September 1, 2026. We may earn a commission when you click through.
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✓ Free tier available for one subscription
✓ No credit check to apply
✓ No interest charges
Grow Credit takes a unique approach — rather than traditional spending, it pays your existing subscription bills (Netflix, Spotify, etc.) and reports those payments to all three credit bureaus. The free tier covers one subscription, and paid tiers cover more. It's a passive way to build credit without changing your spending habits.
Card details
A virtual credit card that builds credit by paying your existing streaming and subscription bills, reporting on-time payments to all three credit bureaus.
💡 Honest Take: Clever concept for credit building on autopilot. The free tier is genuinely useful if you have Netflix or Spotify. But don't expect this to be your only credit-building tool — the limited scope means it's best as a supplement.
Pros
- ✓ Free tier available for one subscription
- ✓ No credit check to apply
- ✓ No interest charges
- ✓ Reports to all three major credit bureaus
Cons
- ✗ Free tier limited to one subscription up to $10/month
- ✗ Paid tiers cost $4.99-$9.99/month
- ✗ Not a traditional credit card — limited functionality
- ✗ Cannot be used for general purchases
Best For: People who want to passively build credit using subscriptions they already pay for, without taking on traditional credit card risk.
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