Build Credit
with Step

Step is the best way to build a positive credit history before you turn 18¹. The Step Visa Card with Smart Pay prevents you from missing payments and spending more money than you have.

Scan to get started

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.

The average step user has an initial Credit Score of 723
when they turn 183

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

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


Give yourself the gift of good credit

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