BUILD CREDIT FOR FREE

By simply using your Step Visa Card ^̍

Build Your Credit

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

TransUnion research ͆

BUILDING CREDIT WITH STEP IS EASY

Use Your Card

Every tap, swipe, and purchase you make with your Step Visa Card helps you build credit.

Build Credit

At the end of each month, Step's Smart Pay technology will automatically pay your statement in full giving you an ontime payment and improving your credit history.

Don't get left behind.

Step builds credit with our unique secured card and Step's SmartPay technology, which ensures you never make a late payment. With Step, you will get a Visa credit card that works for everyone, including 18-year-olds with no credit history. Step is designed to help you build credit from scratch, and gives you a head start by reporting up to two years of credit history when you turn 18.

Step users have an average initial credit score of 721^֠

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Learn How To Build Credit With Step

How Step Builds Credit.png — How Step Builds Credit (The Actual Mechanism) ⚙️

Build Credit at 18.png — How to Build Credit at 18 (Fast)

The 57-Point Effect.png — The 57-Point Effect: What a Year on Step Actually Does to Your Credit Score

REAL RESULTS FROM STEP USERS

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.

Participants may be compensated for their participation. Individual results may vary.

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%

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.

See all FAQs

BUILD CREDIT FOR FREE

BUILDING CREDIT WITH STEP IS EASY

REAL RESULTS FROM STEP USERS

BETTER CREDIT MATTERS

WE KNOW WHAT YOU'RE WONDERING...