GrowFi · Coming to iOS
Your credit card rewards,
invested in the S&P 500.
Every week. Automatically.
Link your cards. GrowFi estimates what your rewards are worth on every purchase and invests that amount each week — VOO at launch, with more options coming. Your points stay where they are. You never lift a finger.
Free during beta. iOS first. US only.
This week
$20.77
Invested in VOO on Friday
VOO at launch · Sell anytime
Works with the cards you already have
15 of the most popular rewards cards at launch. Any other card gets a flat 1% estimate.
How it works
Link your cards and checking
Connect through Plaid in under a minute. Bank-level encryption. We never see your login.
We estimate your rewards
Every transaction gets scored using your card's actual reward rules. Groceries on a 3x card count for 3x.
Invest every week
Each week we move the estimated amount from checking into fractional shares. VOO at launch, with more investment options planned. Sell anytime.
Budget
Your budget, bills, and spending. One view.
Set a monthly budget and add your bills and recurring expenses. GrowFi uses the same Plaid connection to show spending across every linked account. At month end, if there's money left, choose Splurge it to add it to your spending money, or Grow it to invest it through GrowFi.
- Set your monthly budget and bills
- See every linked account in one view
- Choose what to do with what's left
Monthly budget
$4,000
Rent
Bill
Utilities
Recurring
Subscription
Recurring
Groceries
Spending
Month complete
You came in $140 under budget this month
GrowFi never moves money you haven't approved. Choosing Grow it requires your approval each month, followed by a verification period before any transfer.
Your rewards are already piling up. Here's what happens if you invest them.
Assumes a constant 10% annual return compounded weekly, with no fees, taxes, or missed contributions. VOO's trailing 10-year annualized total return was approximately 15.5% as of August 2026, a period of unusually strong market performance. The S&P 500's long-run historical average is closer to 10%. Past performance does not guarantee future results. Investing involves risk, including possible loss of principal. Reward estimates are approximations based on the inputs above and will differ from your actual rewards. GrowFi does not redeem or access your credit card rewards. The invested amount is debited from your linked checking account. This is not investment advice.
FAQ
No. Your points and miles stay in your card account. GrowFi estimates what they're worth and invests that amount from your checking account. Think of it as a matching contribution to yourself.
Your linked checking account. Once a week, GrowFi moves the estimated reward amount and buys fractional shares. Investments start in VOO (the Vanguard S&P 500 ETF), with more options planned so you can choose what fits you.
No. The weekly rewards investment is the only recurring transfer, and you agree to it during setup. Investing a month-end leftover requires your approval each month and includes a verification period before any transfer.
GrowFi notifies you at month end with the leftover amount and gives you two choices: Splurge it adds the amount to your spending money, while Grow it lets you invest it. Nothing moves unless you choose Grow it and confirm.
Yes. Sell all or part of your position anytime. Proceeds go back to your checking account.
Card and bank connections run through Plaid, the same infrastructure used by Venmo and Robinhood. GrowFi never sees or stores your bank login.
Brokerage accounts are held at Alpaca Securities LLC, member FINRA and SIPC.
Free during beta. Pricing will be announced before public launch, and beta users will hear first.
Get in before launch
You're in.
You're #— on the list.