BUILD CREDIT FOR FREE

By simply using your Step Visa Card ̍

STEP USERS IN THEIR
20S IMPROVE THEIR
SCORE BY AN AVERAGE
OF 57 POINTS

BUILDING
CREDIT
WITH STEP
IS EASY

TransUnion research ͆

"Step has helped me establish a long credit history and boosted my score over 100 points. I had a student credit card with a score of 600. Once I opted in with Step, I got a score of 700."

Dorothy M.

WINNERS BADGE - Credit Building Innovation_Winner_2024 2.png

Step users have an average initial credit score of 721 ^֠

Download Step

BETTER CREDIT MATTERS

And saves Step users money where it matters most

Build Your Credit

		Very Poor 300-600
Car Insurance Learn More	$147/mo	$250/mo
Student Loan Rates Learn More	6.24%	10.46%
Security Deposit Learn More	6.24%	10.46%

85 points so far

My credit score is constantly increasing, 85 points so far. I love the borrow option.

Brandon T

My credit score is 734

You guys are amazing! My credit score is 734 and I just turned 18 a couple weeks ago! This will be amazing for my student loans. Thanks you!

Michael P.

AMAZED THAT IT WAS SO HIGH

I knew I was building credit but was amazed that it was so high. I have been a Step customer for almost a year and am so grateful to have had the opportunity to build a positive credit history even before turning 18.

Sham K.

WE KNOW WHAT YOU'RE WONDERING...

How does Step help me build my credit?

The Step Visa Card is a secured credit card that allows you to make purchases up to the amount that is in your Step Spending Account. With Smart Pay, your purchases are automatically paid off at the end of each month so you never have to worry about a bill or payments. We report your transaction history as positive payment history to the credit bureaus for all verified adult accounts.

Does it cost anything to use credit reporting?

Nope, it’s just part of the deal with Step.

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.

How can a good credit score help me?

Here’s the short answer: When you have a good credit score, you can get better terms and lower interest rates on basically everything – auto insurance, student loans, cell phone plans, and much more. Low scores or no scores can cost you money. Learn more here.

How often is credit reporting updated?

Step reports your credit history to the bureaus every month.

What do you report and to who?

We will report your credit history to Experian, Equifax, and Transunion. Once you verify your adult account we report up to 2 years of your history.

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