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Earn 5.00% on your savings¹, build credit, invest, and get rewarded all in one place.
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 a qualifying direct deposit
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 Black$99 per year | ||
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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% with a qualifying direct deposit⁴ | 5.00% No direct deposit required | ||
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 | ||
Investing Buy fractional shares of thousands of stocks, ETFs,⁶ and bitcoin⁷ with as little as $1. No stock commission fees. Learn more | ||||
Borrowing Need extra cash? Get up to $250 and peace of mind in minutes. Interest and eligibility requirements apply.⁸ | ||||
Rewards Earn cashback on everyday purchases and turn spending into saving.⁹ Learn more | Up to 3% cashback with qualifying direct deposit⁴ | Up to 8% cashback¹⁰ | ||
Exclusive Perks Elevate your everyday with annual dining, shopping, wellness, and entertainment credits. Learn more | Over $500 in annual perks¹¹ | |||
Visa Signature Enjoy exclusive access to presale, special guest status at Signature Luxury Hotel properties, and more. | ||||
Metal Black Card Imagine the satisfying clink of a 17g, laser engraved metal card that’s numberless for extra safety. Learn more | ||||
Priority Support Go to the front of the live customer support line if you need help. |
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.