Banking thatBuildsCredit
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Earn 5.00% on your savings¹, build credit, invest, and get up to 8% cashback on every purchase.
The best way to build credit history2
(even before you turn 18)
Powered by Visa with built-in fraud protection and Zero Liability³ guarantee for unauthorized charges
Banking services are provided by Evolve Bank & Trust and FDIC-insured up to $1,000,000¹²
Earn 5.00% on your savings1
With Step Black
Banking services provided by Evolve Bank & Trust, Member FDIC. Step is a financial technology company, not a bank.
for less
Choose Your Card: | StepNo subscription fees | Step BlackFree with Direct Deposit or $4.99/month | ||
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Age Requirements | All Ages | 13+ | ||
Credit Building Card Build a positive credit history (even before you turn 18) with a secured Visa Card.² Learn more | ||||
Savings Set goals, automatically save with Round Ups, and earn 5.00% on your FDIC-insured savings balance.¹ Learn more | - | 5.00% | ||
Rewards Earn cashback on everyday purchases and turn spending into saving.⁸ Learn more | 1% cashback at revolving merchants | Up to 8% cashback⁹ | ||
Get Paid Early Set up direct deposit with Step and get paid up to 2 days early.⁵ Learn more | ||||
Safety and Security You’re covered with FDIC-insurance, Visa’s Zero Liability Policy³, merchant blocking, and lost card protection. Learn more | FDIC Insured up to $250,000 | FDIC Insured up to $1,000,000¹² | ||
Exclusive Perks Elevate your everyday with annual dining, shopping, wellness, and entertainment credits. Learn more | - | Over $500 in annual perks¹⁰ | ||
Investing Buy fractional shares of thousands of stocks, ETFs,⁶ and with as little as $1. No stock commission fees. Learn more | ||||
Borrowing Need extra cash? Get up to $200 and peace of mind in minutes. Interest and eligibility requirements apply.⁷ | ||||
Metal Black Card Imagine the satisfying clink of a 17g, laser engraved metal card that’s numberless for extra safety. Learn more | - | Optional | ||
Visa Signature Enjoy exclusive access to presale, special guest status at Signature Luxury Hotel properties, and more. | - | Included with Premium 17g Metal Card |
Choose Your Card:
Step
Step Black
Stephen Curry, 4X NBA CHAMPION & CEO at SC30
Investor Spotlight
“I know what a critical life skill money management is...Step helps facilitate conversations about money and makes it easy to get a taste of financial freedom with a built-in safety net and lots of teachable moments.”
APP RATING
“My credit score is 734 and I just turned 18...”
“I love this app...”
“A head start in my financial journey...”
“I love the credit building feature...”
“It helps me to save for things I want...”
“This app has given me so much freedom...”
Participants may be compensated for their participation.