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Rack Up Rewards,
Not Debt

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 $500 in annual perks1 and earn up to 8% cashback2 on every purchase, all while building your credit history.3

Enjoy exclusive experiences

Do more of what you love with over $500 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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Stay connected, anywhere

Get unlimited minutes, messages, and data with a $30 discount for a Visible by Verizon wireless plan. No hidden fees. 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 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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Step x Visa Signature

Enjoy access to member-only benefits and special experiences with the ease and security of your Visa Signature® card.

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Entertainment

Get exclusive Visa Signature access to Sofar Sounds concert presales and a free ticket per purchase per show.

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Travel

Live the VIP-guest life at Visa Signature Luxury Hotel properties. Get a $25 food credit, room upgrades when available, and more.

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Lifestyle

Hit up the Visa Signature Concierge 24/7 for help booking travel, making restaurant reservations, scoring tickets for events, and more.

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Rotating Offers

Explore everyday savings, like 3 free months of Shipt for same-day grocery delivery to discounted access to Skillshare creative classes.

The Total Package

Step Black doesn’t just look good. It is good for your finances. It includes a comprehensive mobile banking platform that can help you build long-term wealth and healthy money habits. Learn More
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 $500 in annual perks¹
Visa Signature
Enjoy exclusive access to presale, special guest status at Signature Luxury Hotel properties, and more.
Rewards
Earn cashback on everyday purchases and turn spending into saving.
Learn more
Up to 8% cashback²
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.³
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 million⁶
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 $200 and peace of mind in minutes. Interest and eligibility requirements apply.⁸
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 $500 in annual perks¹

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

Visa Signature

Enjoy exclusive access to presale, special guest status at Signature Luxury Hotel properties, and more.

Rewards, Up to 8% cashback²

Earn cashback on everyday purchases and turn spending into saving.
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.³
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 $200 and peace of mind in minutes. Interest and eligibility requirements apply.⁸

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 million⁶

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

Frequently Asked Questions