Grow Credit Master — Fintech Account

The Grow Credit Master is a fintech account from Grow Credit Master. The annual fee is $0-$9.99/month. The ongoing APR is 0.00%. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Pays your subscriptions (Netflix, Spotify, etc.) and reports as credit tradeline. Free tier covers 1 subscription. Accepts ITIN. Reports to all 3 bureaus.

Sources & citations

• https://www.growcredit.com/
• https://growcredit.com/contact/
• https://growcredit.com
• https://www.growcredit.com/ | "the cost of your credit issued by MRV Banks and accessible by the Sutton Bank Virtual Card is an Annual Percentage Rate of 0.00%" | 2026-04-20
• https://www.growcredit.com/ | 2026-04-20
• https://www.growcredit.com/ | "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" | 2026-04-20
• https://www.growcredit.com/ | "We do not perform a hard credit check or use credit scores as a determining factor when applying for a Grow account." | 2026-04-20
• https://www.growcredit.com/ | "We report your payment history to all three major credit bureaus (Equifax, Experian and Transunion) which may help establish or boost your credit score." | 2026-04-20