![Step Black Hero Background](https://images.ctfassets.net/bkmkssdu4exw/3MaI8xUTMGO7dF10e8QvfF/e261c4c0f46fe1b2acba7a318006149a/StepBlackHeroBackgroundMobile.png)
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
![Classpasslogo](https://images.ctfassets.net/bkmkssdu4exw/7cgU4kRdmShSB2HesUKiNt/d1bd5ffe4fd817ec92c99a7b2a1bb7dc/Classpasslogo.png?w=640)
![ClasspassImage](https://images.ctfassets.net/bkmkssdu4exw/7lTlR3P7sTvtyzHXkdWilq/790f8c8892d2dc912ba1d9d6fc261596/ClasspassImage.jpg?w=640)
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
![FanimalLogo](https://images.ctfassets.net/bkmkssdu4exw/62ajYEI7Rge1ttP9lLBkeg/ea977589b57a9c63fdc0c0735fee4ac0/FanimalLogo.png?w=640)
![FanimalImage](https://images.ctfassets.net/bkmkssdu4exw/3oral55H1vTcANzY2QMd24/570db598b00f1c951e54dcfe4b97c65d/FanimalImage.jpg?w=640)
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
![inkindLogo](https://images.ctfassets.net/bkmkssdu4exw/4NKg087eVURynhbqISrlnG/b12234555287ae9eafe8b693c4e94694/inkindLogo.png?w=640)
![InKindImage](https://images.ctfassets.net/bkmkssdu4exw/2klRT6800c38EIAluGoNFJ/13a7e8b8185dcb9a6aae0e17f605f781/InKindImage.jpg?w=640)
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
![VisibleLogo](https://images.ctfassets.net/bkmkssdu4exw/2vAyCzyeEs6UTVvyr1pG6B/c53908868e004aaf873a61ff1c45b1e6/VisibleLogo.png?w=640)
![VisibleBackground](https://images.ctfassets.net/bkmkssdu4exw/74B9oNhONKcz5CTOirTO39/9d3ee8265932687e6c85e1638832ffc1/VisibleBackground.png?w=640)
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
![AlexandraLogo.png](https://images.ctfassets.net/bkmkssdu4exw/7n9qr3tOXJaCkiMd57ThPP/f1c146c6cd6e4ea0288bd79c191e4e8f/AlexandraLogo.png?w=640)
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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
![wornlogo](https://images.ctfassets.net/bkmkssdu4exw/2EVDHZevWWH5kd7ItPbpIx/45ea4fe5f92f9b8ace565d7ece1838c5/wornlogo.png?w=640)
![wornImage](https://images.ctfassets.net/bkmkssdu4exw/3jwTgKPuL0T5nscQQITn4c/659150bb1ae50bf704d806e4da5466ac/wornImage.png?w=640)
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
it pays to get paid with Step
Every month, we’re dishing out major prizes to our #StepFam through our Direct Deposit Sweepstakes. From iPads to shopping sprees, and even up to $5,000 in cold hard cash to save (or spend).
Step x Visa Signature
Enjoy access to member-only benefits and special experiences with the ease and security of your Visa Signature® card when you upgrade to the 17g metal Black Card.
![Drums](https://images.ctfassets.net/bkmkssdu4exw/6yIqdbIsOaqwciGC3wvq6Y/9cd84bea4287a1731a10cda453b7cdd1/Drums.png?w=640)
Entertainment
Get exclusive access to Sofar Sounds concert presales and a free ticket per purchase per show.
![Luggage](https://images.ctfassets.net/bkmkssdu4exw/Nz6CEUmZe4Uxvpf2wDUYq/6e28c16db9c6ef6160799cd15e1c2f16/Luggage.png?w=640)
Travel
Live the VIP-guest life at Visa Signature Luxury Hotel properties. Get a $25 food credit, room upgrades when available, and more. Visa Signature Card Required.
![Plane](https://images.ctfassets.net/bkmkssdu4exw/7raQYW8g6aoh7dcwh9xfEi/8272fddf8ee3f6659c4ed059fef74875/Plane.png?w=640)
Lifestyle
Hit up the Visa Signature Concierge 24/7 for help booking travel, making restaurant reservations, scoring tickets for events, and more. Visa Signature Card Required.
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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
Do More and Spend Less with Step Black | ![]() Step BlackFree with Direct Deposit or $4.99/month⁴ | |
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Age Requirement | 13+ | |
Credit Requirement | None | |
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. Learn more | Included with Premium 17g Metal Card | |
Rewards Earn cashback on everyday purchases and turn spending into saving. Learn more | Up to 8% cashback on every purchase² | |
Savings Set goals, automatically save with Round Ups, and earn 5.00% on your FDIC-insured savings balance. Learn more | 5.00% on balances up to $1 million ~symU+033E | |
Metal Black Card Imagine the satisfying clink of a 17g, laser engraved metal card that’s numberless for extra safety. Learn more | Optional | |
Credit Building Card Build a positive credit history (even before you turn 18) with a secured Visa Card.³ Learn more | Yes | |
Early Paydays Set up direct deposit with Step and get paid up to 2 days early.⁶ Learn more | Yes | |
Safety and Security You’re covered with FDIC-insurance, Visa’s Zero Liability Policy⁷, merchant blocking, and lost card protection. Learn more | FDIC Insured up to $1,000,000⁸ | |
Investing Buy fractional shares of thousands of stocks, and ETFs with as little as $1. No stock commission fees.⁹ Learn more | Included | |
Borrowing Need extra cash? Get up to $200 and peace of mind in minutes. Interest and eligibility requirements apply.¹⁰ |
Do More and Spend Less with Step Black
![step-black-card](https://images.ctfassets.net/bkmkssdu4exw/2q1OIv1bTJgL7TveyI1uT9/4b123f53b7b4a69bf0a2dc5956003d72/step-black-card.png?w=480)