Safe and secure
Simple, safe, and secure. Their Step Visa Card is covered by Visa's Zero Liability protection and FDIC insured up to $1M.
Build credit early
Your teen can build credit history before 18. Step users start with an average score of 721.
3% savings
Put savings to work with a 3.00% savings rate.
Create your account
By providing your phone number, you confirm you are 13 and agree to our Terms, Mobile Terms and Privacy Policy. Tap "Sign Up Now" to provide consent to receive promotional and transactional SMS messages from Step. Message frequency and data rates apply. Reply HELP for help or STOP to cancel.
Step Visa Card is designed to help build positive credit history. Positive history is reported on and related only to your Step Visa card activity, subject to your account remaining in good standing, to Transunion®, Experian®, and/or Equifax®. Step users can build credit history for up to two years before turning 18. We do not have control over your credit scores generated by the credit bureaus. Even when we report positive credit history on your Step Visa card, your overall credit history and scores, as built by the credit bureaus, may be impacted by your financial activity outside of your Step Visa card (including any other Step loan products or other external activity).
721 is the median credit score at the time trade was first reported to Transunion for Step consumers ages 17-99. Only those consumers who had 1) only a Step trade and 2) a score available at trade first report date and a score post 30 days, 90 days, 180 days, 270 days and 360 days available for analysis are included.
Visa's Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact Step for more detail.
The FDIC provides deposit insurance to protect your money in the event of a bank failure. Your deposits are automatically insured to at least $250,000 at each FDIC-insured bank. The standard maximum coverage is $250,000, unless otherwise agreed by Evolve in its sole discretion in limited circumstances, such as for eligible Step Black users, who are eligible up to $1,000,000. See https://www.fdic.gov/resources/deposit-insurance for more information.
Your Step account is not an interest bearing product. The savings percentage is not interest, but instead earned as cash rewards funded by Step. The rewards, if calculated as an APY, would be 3.00%. This percentage is variable and may change over time. See terms for more detail. Requires Step Black enrollment. Step Black is an earned status available at no cost. New users receive a limited preview upon joining. Full status is earned by meeting qualifying activity thresholds each month. See the Step App for full terms and eligibility.
Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. The Step Visa Card is issued by Evolve Bank & Trust pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.