- Personal
Credit Cards
The Card You Need,
The Rewards You Want
For most people, choosing a credit card comes down to how they plan to use it. Are you a frequent swiper who likes getting cash back? There’s a credit card for that. Prefer earning rewards? We’ve got ‘em. Looking for simplicity and the lowest possible rates? There’s a card for that too.
Benefits of a Grow Financial Credit Card
Our credit cards come with all the features you expect, plus added benefits from Visa®, including purchase protection, travel and emergency assistance, extended guarantees, monthly credit progress tracking and more. Check out the full Visa benefits guide here.
No annual or balance transfer fees1
Credit score reports
Fraud liability protection
Rewards points and cash back
Online and mobile banking2
Give Yourself Some Credit
The less you pay in interest on your credit cards, the better you can manage your money. Our low rates on Grow Visa credit cards can help.
Visa Signature
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Best If:
You use a credit card regularly and want to maximize cashback opportunities on your spending.
Apply NowIntro Offer:
Get a $200 cashback bonus when you spend at least $2,500 in the first 90 days4
Purchase & Balance Transfer APR:
Standard APR of 17.99%1 for purchases and balance transfers. This is a fixed rate.
Annual Fee:
$0
Rewards:
- 3% on groceries
- 2% on home improvement
- 1% on everything else
Redeem On:
Deposit into your Grow savings account
Visa Cash Rewards
Apply Now
Best If:
You use a credit card as a main payment method and prefer to redeem points for cash.
Apply NowIntro Offer:
–
Purchase & Balance Transfer APR:
APR as low as 17.49% to 17.99%1
Annual Fee:
$0
Rewards:
1 point per $1 spent
Redeem On:
Deposit to Grow Savings account
Visa Preferred Secured
Apply Now
Best If:
You are looking to build or rebuild credit (A minimum deposit of $500 is required.)
Apply NowIntro Offer:
1.99% to 4.99% APR, good for the first six billing cycles on purchases and balance transfers.
Purchase & Balance Transfer APR:
After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range between 10.49% and 17.99%1 for purchases and balance transfers. This is a variable rate.
Annual Fee:
$0
Rewards:
–
Secured Card GraduationBuild credit with confidence. When you reach positive credit milestones, including on-time payments for 12 months, you may qualify to graduation to an unsecured credit card and receive your deposit back.2
Redeem On:
–
Visa Preferred
Apply Now
Best If:
You are looking to continue building good spending habits, lower the payments for an existing card balance and/or get a lower rate on everyday purchases.
Apply NowIntro Offer:
1.99% to 4.99% APR, good for the first six billing cycles on purchases and balance transfers.
Purchase & Balance Transfer APR:
After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range between 10.49% and 17.99%1 for purchases and balance transfers. This is a variable rate.
Annual Fee:
$0
Rewards:
–
Redeem On:
–
Visa Rewards
Apply Now
Best If:
You use a credit card as a main payment method and want to be rewarded on every day purchases.
Apply NowIntro Offer:
1.99% to 8.99% APR, good for the first six billing cycles on purchases and balance transfers.
Purchase & Balance Transfer APR:
After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range between 14.74% and 17.99%1, for purchases and balance transfers. This is a variable rate.
Annual Fee:
$0
Rewards:
1 point per $1 spent
2X POINTS ON AMAZON
From July 1 to September 30, you can earn double points on all Amazon purchases — that’s 2 points for every $1 spent!3
Redeem On:
Merchandise, gift cards, fuel with points, travel credits
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Membership Required – Subject to credit approval
1The APR will not exceed 18.00%. If the minimum monthly payment is 60 days late twice in a twelve month period, the rate will revert to a default rate of 18.00% for six (6) billing cycles. Other APRs: Cash Advances 18.00%, Overdraft to Share Account 18.00%. A finance charge of 1.00% will be charged on foreign transactions. Rates are effective as of 09/07/2026 and could change without notice. Annual Percentage Rate (APR).
2To qualify for graduation from a secured line of credit, you must make 12 consecutive on-time payments according to your credit card billing cycle. Any payment made 30 days or more late will restart the 12-month requirement. All Grow accounts linked to you or your co-borrower must stay in good standing. There should be no warnings for late payments, charge-offs, repossessions, bankruptcy or any cases of fraud on these accounts. Otherwise, you cannot qualify for unsecured status. Released funds will be deposited into your Basic Savings Account in the month following the date you graduate. Credit lines of over $3,000 are not eligible for this program. You must maintain a TransUnion Vantage Score 4.0 credit score of 660 or better to qualify for graduation. Your credit score is based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus.
3Earn two rewards points per dollar spent with your Grow Visa® Rewards Credit Card and Grow Visa Business Rewards Credit Card on every Amazon purchase from July 1, 2026 to September 30, 2026.
4To quality for the $200 cash back bonus. You must make $2,500 in purchases within the first 90 days after your new Grow Visa Signature Credit Card is opened. Purchases are based on transaction date. The cash back bonus may take up to 15 business days after the 90-day qualification period to post to your account. Returned items reduce qualifying purchases because the cash back bonus is calculated on a net spend of $2,500.
Enroll in Round Up, Give Back
As a Grow credit card holder, you’re eligible to join our Round Up, Give Back program, giving you access to exclusive rewards and charitable opportunities.
Round Up, Give BackImportant Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What does this mean for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Maximize Rewards With the Grow Visa Rewards Credit Card
Enjoy a competitive APR and rewards on every purchase with the Grow Visa Rewards Credit Card — now with bonus rewards categories.
Say Goodbye to High-Interest Debt With Fee-Free Balance Transfers
If high-interest debt is a burden, consider using fee-free balance transfers with a Grow Visa Preferred Credit Card.
Picking the Right Credit Card for You
Credit cards are useful tools, especially when you choose the right type of card for your needs. Learn how to compare credit cards to find the one that works for you.
Credit cards are subject to credit approval. Not all will qualify for the lowest rate.
1The APR will not exceed 18.00%. If the minimum monthly payment is 60 days late twice in a twelve month period, the rate will revert to a default rate of 18.00% for six (6) billing cycles. Other APRs: Cash Advances 18.00%, Overdraft to Share Account 18.00%. A finance charge of 1.00% will be charged on foreign transactions. Rates are effective as of 09/07/2026 and could change without notice. Annual Percentage Rate (APR).
2Additional data charges may apply. Please see your wireless carrier for more information.
Disclaimer
While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional. This article does not offer professional tax advice. Contact a tax advisor for more details.
