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
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
$99 per year
Elevate your everyday with annual dining, shopping, wellness, and entertainment credits.Learn more
Over $250 in annual perks and credits¹
Earn points on everyday purchases and redeem them for cash back. Points never expire.⁸Learn more
Up to 8x Points³
Set goals, automatically save with Round Ups, and earn 5.00% on your FDIC-insured savings balance.⁴Learn 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.²Learn more
Set up direct deposit with Step and get paid up to 2 days early.⁵Learn 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
Buy fractional shares of thousands of stocks, ETFs, and bitcoin⁶ with as little as $1. No stock commission fees.Learn more
Need extra cash? Get up to $250 and peace of mind in minutes. Interest and eligibility requirements apply.
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