GrowFi — Your credit card rewards, invested in VOO. Every week. Automatically.

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.

Your rewards are already piling up. Here's what happens if you invest them.

Your spending Monthly credit card spend: $3,500 What kind of cards do you use?

GrowFi invests

$20.77

/ week · About the cost of a takeout lunch. It comes out of your checking account.

Do that for 20 years and you'd have

$35,886

$21,600 you put in $14,286 growth

Rewards per year

$1,080

Over 20 years

$21,600

Time invested

Start investing my rewards

Assumed annual return

Hypothetical illustration. Not a prediction. Actual returns vary and you can lose money.

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.

Join the waitlist

Works with the cards you already have

Chase · Amex · Citi · Capital One · Discover · US Bank · Wells Fargo

15 of the most popular rewards cards at launch. Any other card gets a flat 1% estimate.

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.

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.

Your credit card rewards,
invested in the S&P 500.
Every week. Automatically.

How it works

Link your cards and checking

We estimate your rewards

Invest every week

Your rewards are already piling up. Here's what happens if you invest them.

Works with the cards you already have

FAQ

Get in before launch

You're in.

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