Elevate your everyday

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.

Up to 8x at Step Black partners⁴
Get exclusive cardholder rewards at Fanimal, inKind, WORN, and Alexandra Organic, with more to come.

3x on dining & food delivery
Whether you’re ordering your favorite meal in or dining out, get more out of every bite.

3x on charitable donations
When you give more to causes you care about, you get more.

2x on entertainment
Cash in while you catch a movie, stream shows, and play.

1x on everything else
From groceries to new threads, enjoy rewards on everything.
Unlock exclusive experiences


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


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


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


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


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


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


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
Get More with Step Black | ![]() Step Black$99 per year | |
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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
