Elevate your everyday

Forget the old-school money rules. You can live your best life now and still secure the financial future you want with Step Black. Cash in on over $250 in annual perks¹ and turn every purchase into rewards points that never expire, all while you build your credit history.²
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One of the best savings rates in the country

Earn 5.00%³ on your FDIC-insured savings balances up to $1 million. There are no minimums or restrictions on how often you can access your money.

8x
Up to 8x at Step Black partners⁴

Get exclusive cardholder rewards at Fanimal, inKind, WORN, and Alexandra Organic, with more to come.

3x
3x on dining & food delivery

Whether you’re ordering your favorite meal in or dining out, get more out of every bite.

3x
3x on charitable donations

When you give more to causes you care about, you get more.

2x
2x on entertainment

Cash in while you catch a movie, stream shows, and play.

1x
1x on everything else

From groceries to new threads, enjoy rewards on everything.

Unlock exclusive experiences

Do more of what you love with over $250 in annual perks.¹ Discover the full suite of dining, entertainment, shopping, and wellness credits you get for just $99 per year. Learn More
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Revolutionize your fitness

Prioritize your health and wellness with $100 in ClassPass credit value. Choose from tons of top-rated classes, from HIIT workouts to yoga. Learn More

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Live it up at live events

Get the best priced tickets to sports games, concerts, and shows with a $25 Fanimal credit. The more friends you bring, the better deals you unlock. Learn More

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Earn bonuses for eating out

Buy an inKind Pass to hundreds of popular restaurants with a $25 credit and get rewarded with bonuses when you dine.
Learn More

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Never pay full price

Score your next great deal with $30 in credit to Ditto, a shopping app featuring trending products, only available to iOS users. Learn More

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Unleash your inner glow

Enhance your daily skincare or makeup regimen with a $50 credit for self-care staples at Alexandra Organic. Learn More

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Look good, feel even better

Treat your feet to performance enhanced Arrowool socks with a $45 credit to WORN. Socks are sustainably built to last. Learn More

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Monthly offers as versatile as you are

Unlock revolving offers that change like the seasons. Your offers, your rules. Pick your faves for a curated experience, or activate them all! With Step Black, the world is your oyster.

The Total Package

Step Black doesn’t just look good. It is good for your finances. It comes with an all-in-one mobile banking platform that can help you build long-term wealth and healthy money habits.
Get More with Step Black
step-black-card

Step Black

$99 per year
Age Requirement
13+
Credit Requirement
None
Exclusive Perks
Elevate your everyday with annual dining, shopping, wellness, and entertainment credits.
Learn more
Over $250 in annual perks and credits¹
Rewards
Earn points on everyday purchases and redeem them for cash back. Points never expire.⁸
Learn more
Up to 8x Points³
Savings
Set goals, automatically save with Round Ups, and earn 5.00% on your FDIC-insured savings balance.⁴
Learn more
5.00% on balances up to $1 million
Metal Black Card
Imagine the satisfying clink of a 17g, laser engraved metal card that’s numberless for extra safety.
Learn more
Credit Building Card
Build a positive credit history (even before you turn 18) with a secured Visa Card.²
Learn more
Early Paydays
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 Policy*, merchant blocking, and lost card protection.
Learn more
FDIC Insured up to $1,000,000
Investing
Buy fractional shares of thousands of stocks, ETFs, and bitcoin⁶ 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.
Priority Support
Go to the front of the customer support line and talk to a live agent if you need help.

Get More with Step Black

step-black-card

Step Black

$99 per year

Age Requirement, 13+

Credit Requirement, None

Exclusive Perks, Over $250 in annual perks and credits¹

Elevate your everyday with annual dining, shopping, wellness, and entertainment credits.
Learn more

Rewards, Up to 8x Points³

Earn points on everyday purchases and redeem them for cash back. Points never expire.⁸
Learn more

Savings, 5.00% on balances up to $1 million

Set goals, automatically save with Round Ups, and earn 5.00% on your FDIC-insured savings balance.⁴
Learn more

Metal Black Card

Imagine the satisfying clink of a 17g, laser engraved metal card that’s numberless for extra safety.
Learn more

Credit Building Card

Build a positive credit history (even before you turn 18) with a secured Visa Card.²
Learn more

Early Paydays

Set up direct deposit with Step and get paid up to 2 days early.⁵
Learn more

Borrowing

Need extra cash? Get up to $250 and peace of mind in minutes. Interest and eligibility requirements apply.

Investing

Buy fractional shares of thousands of stocks, ETFs, and bitcoin⁶ with as little as $1. No stock commission fees.
Learn more

Priority Support

Go to the front of the customer support line and talk to a live agent if you need help.

Safety and Security, FDIC Insured up to $1,000,000

You’re covered with FDIC-insurance, Visa’s Zero Liability Policy*, merchant blocking, and lost card protection.
Learn more

Frequently Asked Questions