Build Credit
with Step

Step is the best way to build your credit. Unlike other credit building cards, you can start building positive credit history¹ before you turn 18 and there are no monthly subscription fees. All you have to do is use your Step Visa Card for everyday purchases. We take care of the rest.

Scan to get started

APP RATING

Apple App Store

45,477 Reviews

“My Credit score is 734 and i just turned 18...”

“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. Thank you!”

Michael P.

“Amazed that is 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.

“Boosted my score Over 100 Points.”

“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.

“It brought me from no score to 735...”

“I didn’t have a score before but when I chose to opt in, it helped dramatically. It brought me from no score to 735 in one night because I was using Step previously.”

John C.

Participants may be compensated for their participation.

What is a Credit score and why is it important?

A credit score is a number between 300 and 850 that represents how responsible you are with money. Your ability to get affordable rates on things like student loans, cars, apartments, and cell phone plans depends on your credit score. The higher the score, the more likely you are to get approved with lower interest rates and premiums, ultimately saving you money. A “good” score is considered 670-739 by FICO and 661-780 by VantageScore 3.0².

18 year olds who
used step for 7+ months
saw an average Credit Score of 725³

Building credit is simple with Step

We designed the Step Visa Card to make building positive credit history easy because you’ve got other things to think about. Like your hopes and dreams.

Use your
card

Make purchases with your Step Visa Card. They don’t have to be big purchases but it’s best if you use your card regularly.

Build YOUR Credit History

With Smart Pay, your purchases are automatically paid off every month using the funds in your deposit account.

Report your Positive History

Opt in for us to report the positive payment history you’ve accumulated to the credit bureaus. You must be 18 to opt in.

It pays to build credit with step

Rates are determined by a number of factors, including credit scores. Here is what an 18 year old Step user with a score of 725 could pay compared to costs associated with lower credit scores.

Car Insurance
could cost
$147/MO or $250/MO⁴

student loan interest rate
could be
6.24% or 10.46%⁵

a security deposit
could be
1 mo rent OR 2 mo rent⁶

We know what you’re Wondering...

How are credit scores calculated?

In general, there are 5 factors considered in credit score calculations: your payment history (35%), how much you owe (30%), the length of your credit history (15%), the types of accounts you have (10%), and recent credit activity (10%).

How often is credit reporting updated?

Step reports your credit history to the bureaus every month.

How do I opt in to credit reporting with Step?

If you are 18 or older, you can opt in to credit reporting by visiting your account information from the menu bar. Scroll down to “Account Management”, tap “Credit Reporting”, and select “Opt In.”

What do you report and to who?

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

What steps can I take to improve my credit score?

In general, it’s best to use loans and credit cards responsibly, make prompt payments, limit applying for new accounts, and keep old accounts open. Improving your score takes effort and patience.

See all FAQs

Give yourself the gift of good credit

Get started by opening a Step Account today. It’s quick and easy.

Learn about credit

Build Creditwith Step

APP RATING

“My Credit score is 734 and i just turned 18...”

“Amazed that is was so high.”

“Boosted my score Over 100 Points.”

“It brought me from no score to 735...”

What is a Credit score and why is it important?

18 year olds whoused step for 7+ months saw an average Credit Score of 7253

Building credit is simple with Step

Use your card

Build YOUR Credit History

Report your Positive History

It pays to build credit with step

Car Insurancecould cost $147/MO or $250/MO4

student loan interest rate could be 6.24% or 10.46%5

a security depositcould be1 mo rent OR 2 mo rent6

We know what you’re Wondering...

get money smart. get ahead

APP RATING

“My Credit score is 734 and i just turned 18...”

“Amazed that is was so high.”

“Boosted my score Over 100 Points.”

“It brought me from no score to 735...”

Building credit is simple with Step

It pays to build credit with step

Car Insurancecould cost $147/MO or $250/MO4

student loan interest rate could be 6.24% or 10.46%5

a security depositcould be1 mo rent OR 2 mo rent6

We know what you’re Wondering...

What is a Credit score and why is it important?

18 year olds whoused step for 7+ months saw an average Credit Score of 7253

Use your card

Build YOUR Credit History

Report your Positive History

Build Credit
with Step

18 year olds who
used step for 7+ months
saw an average Credit Score of 725³

Use your
card

Car Insurance
could cost
$147/MO or $250/MO⁴

student loan interest rate
could be
6.24% or 10.46%⁵

a security deposit
could be
1 mo rent OR 2 mo rent⁶

Car Insurance
could cost
$147/MO or $250/MO⁴

student loan interest rate
could be
6.24% or 10.46%⁵

a security deposit
could be
1 mo rent OR 2 mo rent⁶

18 year olds who
used step for 7+ months
saw an average Credit Score of 725³

Use your
card