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

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

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

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

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 $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

$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

What are the advantages of Step Black being a secured credit card?

The main benefit is you don’t have to worry about accidentally over spending or missing a card payment. By default, you can only spend up to the amount of money that you have in your Step Account. With Smart Pay, your purchases are automatically paid off at the end of every month using your funds, which builds positive credit history.

Can the card really pay for itself in rewards and benefit value?

Yes, the card can pay for itself if you maximize its rewards and perks. Consider this: If you have a savings balance of $2,500, make full use of the perks, and spend just $250 a month on dining or food delivery that’s eligible for 3x points, you could get almost $350 in value for just $99 per year!

How is Step Black different from other cards?

Step Black is way more rewarding than your average credit building card and more accessible than most premium cards. You can get best-in-class benefits and rewards without having a high credit score a (or any credit score, for that matter) like most black cards require.

Is there really no credit score required to get this?

Yes! The Step Black Card sees your potential, not your past. There’s no credit check and you don’t need to have a credit score of any kind to sign up. You can work on building your credit history once you get the card.

Can I use my Step Black Card anywhere Visa is accepted?

Yes! You can use your card anywhere Visa is accepted, which is just about everywhere that takes credit cards. You can use it to buy groceries, go out to eat, subscribe to your favorite streaming services, travel — basically everything.

See all FAQs